Essex County and Andover Town property record for 95 Summer St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,487 sqft · built 1937 |
| Lot Size | 0.157 acres (6,821 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $500,000 (Aug 2026) |
| Tax Bill | $9,755 (2025) |
| Deeds & Mortgages | Aug 2026 Sale Mar 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00022 B:00064 L:00000 |
| Primary APN | ANDO M:00022 B:00064 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,487 sqft Living Area |
| Gross Area | 2,759 sqft |
| Basement Area | 913 sqft |
| Unfinished Basement | 913 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1937 |
|---|---|
| Effective Year Built | Effective 1937 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,821 sqft (0.157 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 95 SUMMER ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-1823 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRA |
| Legal Block | 64 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 254200 |
95 Summer St is owned and occupied by two individuals who bought it in August 2026.
Source: Essex County and Andover Town records, as of August 26, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 95 SUMMER ST, MANCHESTER, MA 01944-1268 |
| 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.
| Date | Document |
|---|---|
| Aug 7, 2026 | Quit Claim Deed, Transfer |
| Mar 15, 2021 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Sep 9, 2021 | Quit Claim Deed, Transfer · Stand-Alone Refinance PRIMARY RESIDENTIAL MORTGAGE |
| Sep 9, 2021 | Quit Claim Deed, Transfer · Stand-Alone Refinance PRIMARY RESIDENTIAL MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 7, 2026 · Amount on File |
| Deed Sale | Aug 7, 2026 · Amount on File |
| Prior Sale | Dec 15, 2014 · Amount on File |
| Deed Document Number | 202620260807002970 |
| Deed Book / Page | 43558 / 332 |
| Prior Transfer Date | Aug 4, 2026 |
| Prior Transfer Doc | 0000002970 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Aug 7, 2026 |
| Property Address | 95 SUMMER ST, ANDOVER, MA 01810-1823 |
| Document Number | 0000002970 |
| Book / Page | 43558 / 332 |
| Instrument Date | Aug 4, 2026 |
| Instrument | 20262970 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 95 SUMMER ST, MANCHESTER, MA 01944-1268 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 95 SUMMER ST, ANDOVER, MA 01810-1823 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0016820-22 |
|---|---|
| Date | Mar 15, 2021 |
| Book Page | 16820/22 |
| Instrument | 8524 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Apr 1, 2046 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Sep 9, 2021 |
| Property Address | 95 SUMMER ST, ANDOVER, MA 01810-1823 |
| Document Number | 17124-1 |
| Book / Page | 17124 / 1 |
| Instrument Date | Sep 3, 2021 |
| Instrument | 30183 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 95 SUMMER ST, ANDOVER, MA 01810-1823 |
| Document Number | 17124-4 |
|---|---|
| Date | Sep 9, 2021 |
| Book Page | 17124/4 |
| Instrument | 30184 |
| Name | PRIMARY RESIDENTIAL MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Sep 9, 2021 |
| Property Address | 95 SUMMER ST, ANDOVER, MA 01810-1823 |
| Document Number | 00017124-1 |
| Book / Page | 17124 / 1 |
| Instrument Date | Sep 3, 2021 |
| Instrument | 30183 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 95 SUMMER ST, ANDOVER, MA 01810-1823 |
| Document Number | 0000030184 |
|---|---|
| Date | Sep 9, 2021 |
| Instrument | 30184 |
| Name | PRIMARY RESIDENTIAL MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
The 2025 property tax bill for 95 Summer St was $9,755, up 5.1% 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 | $9,755.00 (+5.08%) | $781,000 (+8.37%) Land $479,100 Building $301,900 | $771,305 |
| 2024 | $9,283.00 (+4.73%) | $720,700 (+11.06%) Land $438,900 Building $281,800 | |
| 2023 | $8,864.00 | $648,900 Land $395,400 Building $253,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 95 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 risk around 95 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.
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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