Essex County and Andover Town property record for 98 Central St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 3,833 sqft · built 1898 |
| Lot Size | 0.555 acres (24,158 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $985,000 (Feb 2021) |
| Tax Bill | $16,454 (2025) |
| Deeds & Mortgages | Oct 2021 Refinance Feb 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00075 B:00018 L:00000 |
| Primary APN | ANDO M:00075 B:00018 L:00000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,833 sqft Living Area |
| Gross Area | 6,957 sqft |
| Basement Area | 1,849 sqft |
| Unfinished Basement | 1,849 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1898 |
|---|---|
| Effective Year Built | Effective 1898 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 24,158 sqft (0.555 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Steam |
| Heating Fuel | Oil |
| Street Address | 98 CENTRAL ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-3915 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRA |
| Legal Block | 18 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 254301 |
Source: Essex County and Andover Town records · APN ANDO M:00075 B:00018 L:00000
Assessment roll updated April 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 98 CENTRAL ST, ANDOVER, MA 01810-3915 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Oct 27, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA |
| Feb 04, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage RESIDENTIAL MORTGAGE SERVICES |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 04, 2021 · Amount on Record |
| Deed Sale | Feb 04, 2021 · Amount on Record |
| Deed Book / Page | 16753 / 194 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 98 CENTRAL ST, ANDOVER, MA 01810-3915 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 17201-341 |
|---|---|
| Date | Oct 27, 2021 |
| Book Page | 17201/341 |
| Instrument | 35611 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Feb 04, 2021 |
| Property Address | 98 CENTRAL ST, ANDOVER, MA 01810-3915 |
| Document Number | 16753-194 |
| Book / Page | 16753 / 194 |
| Instrument Date | Jan 25, 2021 |
| Instrument | 4069 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 98 CENTRAL ST, ANDOVER, MA 01810-3915 |
| Document Number | 4070 |
|---|---|
| Date | Feb 04, 2021 |
| Instrument | 4070 |
| Name | RESIDENTIAL MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Essex County and Andover Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Andover Town |
| Unified School District | Andover School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $16,454.00 (+7.02%) | $1,317,400 (+10.36%) Land $585,000 Building $732,400 | $1,564,745 |
| 2024 | $15,375.00 (+4.63%) | $1,193,700 (+10.97%) Land $535,900 Building $657,800 | |
| 2023 | $14,694.00 | $1,075,700 Land $482,700 Building $593,000 |
Source: FEMA National Flood Hazard Layer, Essex County (25009C), as of July 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250092543011, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 | 6 in force |
| Nearby Flood Claims | 6 (1987–2010) |
| Claims Outside the SFHA | 2 of 6 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Claims by Event |
|
| Wildfire Risk | Low lower than 98% of the US · lower than 96% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
Based on FCC filings for 153 locations within half a mile of this property.
5G and 4G LTE (outdoors only)
Source: EPA Safe Drinking Water Information System, water system MA3009000, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ANDOVER WATER DEPT serves 36,569 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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