98 Bellevue Rd, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 98 Bellevue Rd, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,975 sqft · built 2001
Lot Size	2.25 acres (98,132 sqft)
Owner	2 Trust Names on File
Tax Bill	$16,539 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Mar 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00213 B:00005 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00213 B:00005 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,975 sqft Living Area
Gross Area	6,772 sqft
Basement Area	1,965 sqft
Unfinished Basement	1,474 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	98,132 sqft (2.25 acres)
Garage Type	Basement
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	98 BELLEVUE RD
City	ANDOVER
State	MA
Zip	01810-5320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRC
Legal Block	5
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	3
Census Block	3014
Census Tract	254402

Owner

98 Bellevue Rd is owner-occupied and held in a trust since March 2015.

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

Owner of Record	2 Trust Names on File
Mailing Address	98 BELLEVUE RD, ANDOVER, MA 01810-5320
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Mar 1, 2021	Deed of Trust, Mortgage · Line of Credit MIDDLESEX SAVINGS BANK
Mar 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MIDDLESEX SAVINGS BANK
Jun 2, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) MIDDLESEX SAVINGS BANK
Aug 29, 2019	Deed of Trust, Mortgage · Balloon Mortgage MIDDLESEX SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2015
Deed Sale	Mar 30, 2015
Prior Sale	Mar 30, 2015
Deed Book / Page	14174 / 173
Transfer Doc	14174-173
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	98 BELLEVUE RD, ANDOVER, MA 01810-5320
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	016795-218
Date	Mar 1, 2021
Book Page	16795/218
Instrument	6894

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	98 BELLEVUE RD, ANDOVER, MA 01810-5320
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	016795-203
Date	Mar 1, 2021
Book Page	16795/203
Instrument	6893

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Apr 1, 2031

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	98 BELLEVUE RD, ANDOVER, MA 01810-5320
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017464-224
Date	Jun 2, 2022
Book Page	17464/224
Instrument	13144

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2037

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	98 BELLEVUE RD, ANDOVER, MA 01810-5320
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15977-2
Date	Aug 29, 2019
Book Page	15977/2
Instrument	20820

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 98 Bellevue Rd was $16,539, up 2.3% 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	$16,539.00 (+2.33%)	$1,324,200 (+5.53%) Land $467,100 Building $857,100	$1,382,440
2024	$16,162.00 (+4.86%)	$1,254,800 (+11.21%) Land $453,500 Building $801,300
2023	$15,413.00	$1,128,300 Land $409,500 Building $718,800

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

Flood

FEMA maps place 98 Bellevue Rd in Zone X, an area of minimal flood risk, within 500 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 AE, within 500 ft
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 98 Bellevue Rd 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 93% of the US · lower than 83% 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 77 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

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