Essex County and Andover Town property record for 95 Chestnut St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,600 sqft · built 1907 |
| Lot Size | 0.316 acres (13,782 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $480,000 (Jul 2005) |
| Tax Bill | $11,024 (2025) |
| Deeds & Mortgages | Aug 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00039 B:00156 L:00000 |
| Primary APN | ANDO M:00039 B:00156 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,600 sqft Living Area |
| Gross Area | 3,988 sqft |
| Basement Area | 882 sqft |
| Unfinished Basement | 882 sqft |
| Year Built | Built 1907 |
|---|---|
| Effective Year Built | Effective 1907 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,782 sqft (0.316 acres) |
| Garage Type | Detached |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 95 CHESTNUT ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-3638 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRA |
| Legal Subdivision | PLAN 109 |
| Legal Block | 156 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 254200 |
95 Chestnut St is owned and occupied by two individuals who bought it in July 2005.
Source: Essex County and Andover Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 95 CHESTNUT ST, ANDOVER, MA 01810-3638 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 29, 2005 · Amount on File |
| Deed Sale | Jul 29, 2005 · Amount on File |
| Deed Book / Page | 9674 / 110 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 95 CHESTNUT ST, ANDOVER, MA 01810-3638 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 16439-206 |
|---|---|
| Date | Aug 11, 2020 |
| Book Page | 16439/206 |
| Instrument | 20702 |
| Name | MORTGAGE EQUITY PARTNERS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
The 2025 property tax bill for 95 Chestnut St was $11,024, up 6.9% from the year before.
Source: Essex County and Andover Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Andover Town |
| Unified School District | Andover School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,024.00 (+6.88%) | $882,600 (+10.21%) Land $536,700 Building $345,900 | $924,255 |
| 2024 | $10,314.00 (+4.69%) | $800,800 (+11.04%) Land $491,700 Building $309,100 | |
| 2023 | $9,852.00 | $721,200 Land $442,900 Building $278,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 95 Chestnut St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2019) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 2019 · rainfall accumulation |
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 risk around 95 Chestnut 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.
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 |
| 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.
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 |
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