88 Central St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 88 Central St, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,460 sqft · built 1717
Lot Size	0.956 acres (41,643 sqft)
Owner	2 Individual Names on File
Last Sale	$1,360,000 (Nov 2025)
Tax Bill	$16,607 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00074 B:00026 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00074 B:00026 L:00000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,460 sqft Living Area
Gross Area	7,430 sqft
Basement Area	1,730 sqft
Unfinished Basement	1,730 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1717
Effective Year Built	Effective 1717
Architectural Style	Historical
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	41,643 sqft (0.956 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	88 CENTRAL ST
City	ANDOVER
State	MA
Zip	01810-3914
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Subdivision	LEE M GARTH
Legal Block	26
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1011
Census Tract	254301

Owner

88 Central St is owned and occupied by two individuals who bought it in November 2025.

Source: Essex County and Andover Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	88 CENTRAL ST, ANDOVER, MA 01810-3914
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2025	Quit Claim Deed, Transfer · Conventional Mortgage LIBERTY BANK
Oct 23, 2018	Deed of Trust, Mortgage · Balloon Mortgage LOGIX FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2025 · Amount on File
Deed Sale	Nov 17, 2025 · Amount on File
Prior Sale	Jun 2, 2010 · Amount on File
Deed Book / Page	18440 / 96
Record Updated	Oct 29, 2026

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Nov 17, 2025
Property Address	88 CENTRAL ST, ANDOVER, MA 01810-3914
Document Number	0018440-96
Book / Page	18440 / 96
Instrument Date	Nov 17, 2025
Instrument	20212
Transaction Type	Transfer
Record Updated	Dec 10, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	88 CENTRAL ST, ANDOVER, MA 01810-3914

Mortgage

Document Number	0000020213
Date	Nov 17, 2025
Instrument	20213

Lender

Name	LIBERTY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	88 CENTRAL ST, ANDOVER, MA 01810-3914
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15656-323
Date	Oct 23, 2018
Book Page	15656/323
Instrument	25836

Lender

Name	LOGIX FCU

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 88 Central St was $16,607, up 4.6% from the year before.

Source: Essex County and Andover Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Andover Town
Unified School District	Andover School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$16,607.00 (+4.63%)	$1,329,600 (+7.9%) Land $666,300 Building $663,300	$1,445,615
2024	$15,872.00 (+4.48%)	$1,232,300 (+10.81%) Land $610,400 Building $621,900
2023	$15,191.00	$1,112,100 Land $549,800 Building $562,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 88 Central St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1987.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	6 (1987–2010)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 88 Central St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 88% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ANDOVER WATER DEPT serves 36,569 people · EPA ID MA3009000
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement currently in violation since Nov 2021 Corrosion control Jan 2022
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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