Essex County and Andover Town property record for 99 River St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,338 sqft · built 1989 |
| Lot Size | 3.01 acres (131,116 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $454,000 (Jun 2011) |
| Tax Bill | $10,096 (2025) |
| Deeds & Mortgages | Feb 2021 Refinance |
| Flood Zone | Zone AE (high risk) |
| APN | ANDO M:00160 B:00008 L:0000B |
| Primary APN | ANDO M:00160 B:00008 L:0000B |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,338 sqft Living Area |
| Gross Area | 3,954 sqft |
| Basement Area | 1,392 sqft |
| Unfinished Basement | 1,392 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 131,116 sqft (3.01 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 99 RIVER ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-5907 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRB |
| Legal Subdivision | ANDOVER |
| Legal Block | 8 |
| Legal Lot Number | B |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 254301 |
Source: Essex County and Andover Town records, as of July 20, 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 Record |
|---|---|
| Mailing Address | 99 RIVER ST, ANDOVER, MA 01810-5907 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 3, 2011 · Amount on Record |
| Deed Sale | Jun 3, 2011 · Amount on Record |
| Prior Sale | Nov 15, 1996 · Amount on Record |
| Deed Document Number | 20111 |
| Deed Book / Page | 12506 / 302 |
| Transfer Doc | 4632000292 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 99 RIVER ST, ANDOVER, MA 01810-5907 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 16769-201 |
|---|---|
| Date | Feb 16, 2021 |
| Book Page | 16769/201 |
| Instrument | 5218 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2036 |
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 | $10,096.00 (+12.22%) | $808,300 (+15.72%) Land $407,600 Building $400,700 | $773,680 |
| 2024 | $8,997.00 (+2.85%) | $698,500 (+9.07%) Land $306,900 Building $391,600 | |
| 2023 | $8,748.00 | $640,400 Land $285,300 Building $355,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 3 (1987–2010) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 94% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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 78 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 / 2,000 |
May also be available: T-Mobile.
5G (outdoors only) and 4G LTE
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