90 Elm St, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 90 Elm St, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,033 sqft · built 1934
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Trust Names on File
Last Sale	$830,000 (Oct 2021)
Tax Bill	$9,953 (2025)
Deeds & Mortgages	Dec 2025 Transfer Jun 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00021 B:00006 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00021 B:00006 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,033 sqft Living Area
Gross Area	3,801 sqft
Basement Area	900 sqft
Unfinished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1934
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,001 sqft (0.23 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	90 ELM ST
City	ANDOVER
State	MA
Zip	01810-3607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Subdivision	SAMUEL B LOCK ESTATE
Legal Block	6
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1000
Census Tract	254200

Owner

90 Elm St is owner-occupied and held in a trust since October 2021.

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

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

Owner of Record	2 Trust Names on File
Mailing Address	90 ELM ST, ANDOVER, MA 01810-3607
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2025	Quit Claim Deed, Transfer Quitclaim
Jun 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHMARK BANK
Oct 8, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 16, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BAY EQUITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2021 · Amount on File
Deed Sale	Oct 8, 2021 · Amount on File
Prior Sale	Oct 2, 2006 · Amount on File
Deed Book / Page	17174 / 87
Record Updated	Oct 29, 2026

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Dec 22, 2025
Property Address	90 ELM ST, ANDOVER, MA 01810-3607
Document Number	018474-280
Book / Page	18474 / 280
Instrument Date	Jul 10, 2025
Instrument	22778
Transaction Type	Transfer
Record Updated	Jan 14, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 ELM ST, ANDOVER, MA 01810-3607

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	90 ELM ST, ANDOVER, MA 01810-3607
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	016967-343
Date	Jun 8, 2021
Book Page	16967/343
Instrument	18920

Lender

Name	NORTHMARK BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Oct 8, 2021
Property Address	90 ELM ST, ANDOVER, MA 01810-3607
Document Number	17174-87
Book / Page	17174 / 87
Instrument Date	Oct 8, 2021
Instrument	33642
Transaction Type	Transfer
Record Updated	Oct 22, 2021

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	90 ELM ST, ANDOVER, MA 01810-3607

Mortgage

Document Number	33643
Date	Oct 8, 2021
Instrument	33643

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	90 ELM ST, ANDOVER, MA 01810-3607
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16496-25
Date	Sep 16, 2020
Book Page	16496/25
Instrument	24703

Lender

Name	BAY EQUITY LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 90 Elm St was $9,953, up 0.1% 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	$9,953.00 (+0.07%)	$796,900 (+3.2%) Land $468,900 Building $328,000	$1,017,640
2024	$9,946.00 (+3.1%)	$772,200 (+9.35%) Land $458,200 Building $314,000
2023	$9,647.00	$706,200 Land $424,300 Building $281,900

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

Flood

FEMA maps place 90 Elm St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2006.

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	1 in force
Nearby Flood Claims	1 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2006 · Severe Storms 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 90 Elm 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 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 495 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

May also be available: AT&T, T-Mobile.

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