88 Cross St, Andover, MA 01810 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,538 sqft · built 1966
Lot Size	1.7 acres (74,052 sqft)
Owner	Individual Name on File
Last Sale	$450,000 (Feb 2016)
Tax Bill	$9,817 (2025)
Deeds & Mortgages	Jun 2021 Refinance Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00206 B:00003 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00206 B:00003 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,538 sqft Living Area
Gross Area	4,246 sqft
Basement Area	1,467 sqft
Finished Basement	1,334 sqft
Unfinished Basement	133 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	74,052 sqft (1.7 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	88 CROSS ST
City	ANDOVER
State	MA
Zip	01810-3258
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Block	3
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	2
Census Block	2000
Census Tract	254402

Owner

88 Cross St is owned and occupied by an individual who bought it in February 2016.

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

Owner of Record	Individual Name on File
Mailing Address	88 CROSS ST, ANDOVER, MA 01810-3258
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUIDANCE RESIDENTIAL LLC
Jun 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage 2015 12 LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 9, 2016 · Amount on File
Deed Sale	Feb 9, 2016 · Amount on File
Deed Book / Page	14531 / 221
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	88 CROSS ST, ANDOVER, MA 01810-3258
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017007-65
Date	Jun 29, 2021
Book Page	17007/65
Instrument	21720

Lender

Name	GUIDANCE RESIDENTIAL LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	88 CROSS ST, ANDOVER, MA 01810-3258
Document Number	16342-93
Instrument Date	Jun 4, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	88 CROSS ST ANDOVER MA 018103258, ANDOVER, MA 01810-3258

Mortgage

Document Number	16342-93
Date	Jun 9, 2020
Book Page	016342/000093
Instrument	13730

Lender

Name	2015 12 LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 8, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 88 Cross St was $9,817, up 0.9% 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	$9,817.00 (+0.91%)	$786,000 (+4.06%) Land $468,300 Building $317,700	$815,385
2024	$9,728.00 (+4.29%)	$755,300 (+10.6%) Land $454,600 Building $300,700
2023	$9,328.00	$682,900 Land $410,600 Building $272,300

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

Flood

FEMA maps place 88 Cross St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1996.

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	3 in force
Nearby Flood Claims	1 (1996)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 1996 · Extreme Weather Conditons And Flooding

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 Cross 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 86% 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 135 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cross St

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