90 Summer St, Andover, MA 01810 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,032 sqft · built 1947
Lot Size	0.327 acres (14,262 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Nov 2021)
Tax Bill	$9,240 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00021 B:00189 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00021 B:00189 L:00000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,032 sqft Living Area
Gross Area	1,736 sqft
Basement Area	668 sqft
Unfinished Basement	668 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,262 sqft (0.327 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	90 SUMMER ST
City	ANDOVER
State	MA
Zip	01810-1826
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRA
Legal Block	189
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	4
Census Block	4003
Census Tract	254200

Owner

90 Summer St is owned and occupied by two individuals who bought it in November 2021.

Source: Essex County and Andover Town records, as of October 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	90 SUMMER ST, ANDOVER, MA 01810-1826
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2021 · Amount on File
Deed Sale	Nov 10, 2021 · Amount on File
Prior Sale	Aug 31, 1992 · Amount on File
Deed Book / Page	17225 / 28
Record Updated	Oct 29, 2026

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Nov 10, 2021
Property Address	90 SUMMER ST, ANDOVER, MA 01810-1826
Document Number	17225-28
Book / Page	17225 / 28
Instrument Date	Nov 10, 2021
Instrument	37236
Transaction Type	Transfer
Record Updated	Nov 25, 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 SUMMER ST, ANDOVER, MA 01810-1826

Mortgage

Document Number	37237
Date	Nov 10, 2021
Instrument	37237

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 90 Summer St was $9,240, up 4.5% 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	$9,240.00 (+4.47%)	$739,800 (+7.73%) Land $538,900 Building $200,900	$636,405
2024	$8,845.00 (+4.66%)	$686,700 (+10.99%) Land $493,700 Building $193,000
2023	$8,451.00	$618,700 Land $444,700 Building $174,000

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

Flood

FEMA maps place 90 Summer St in Zone X, an area of minimal flood risk.

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

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 Summer St is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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 274 locations within half a mile, as of December 31, 2025

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