99 Spring Grove Rd, Andover, MA 01810 Property Records

Essex County and Andover Town property record for 99 Spring Grove Rd, Andover, MA 01810

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 5,898 sqft · built 1941
Lot Size	2.22 acres (96,760 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,120,000 (Dec 2018)
Tax Bill	$20,446 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ANDO M:00098 B:00019 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ANDO M:00098 B:00019 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	5,898 sqft Living Area
Gross Area	7,795 sqft
Basement Area	2,922 sqft
Finished Basement	1,826 sqft
Unfinished Basement	1,096 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	96,760 sqft (2.22 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	99 SPRING GROVE RD
City	ANDOVER
State	MA
Zip	01810-4880
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SRB
Legal Block	19
Jurisdiction	ANDOVER MA
Township / Civil Division	ANDOVER
Census Block Group	1
Census Block	1032
Census Tract	254301

Owner

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 SPRING GROVE RD, ANDOVER, MA 01810-4880
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Dec 7, 2018	Quit Claim Deed, Transfer UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2018 · Amount on Record
Deed Sale	Dec 7, 2018 · Amount on Record
Prior Sale	Aug 16, 1995 · Amount on Record
Deed Document Number	2018119131
Prior Transfer Date	Dec 2, 2018
Prior Transfer Doc	119131
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDOVER MA
Property Address	99 SPRING GROVE RD, ANDOVER, MA 01810-4880
Document Number	0000123402
Instrument Date	Oct 27, 2020
Transaction Type	Mortgage
Record Updated	Nov 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	99 SPRING GROVE RD ANDOVER MA 018104880, ANDOVER, MA 01810-4880

Mortgage

Document Number	0000123402
Date	Nov 4, 2020
Instrument	123402

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 3, 2050

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANDOVER MA
Recording Date	Dec 7, 2018
Property Address	99 SPRING GROVE RD, ANDOVER, MA 01810-4880
Document Number	0000119131
Instrument Date	Dec 2, 2018
Instrument	119131
Transaction Type	Transfer
Record Updated	Dec 26, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,107.20
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	99 SPRING GROVE RD ANDOVER MA 018104880, ANDOVER, MA 01810-4880

Mortgage

Document Number	119132
Date	Dec 7, 2018
Instrument	119132

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 6, 2048

Tax Assessment & Valuation

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	$20,446.00 (-6.32%)	$1,637,000 (-3.4%) Land $694,100 Building $942,900	$1,656,515
2024	$21,826.00 (+4.46%)	$1,694,600 (+10.79%) Land $788,100 Building $906,500
2023	$20,894.00	$1,529,600 Land $711,900 Building $817,700

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

Flood

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	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	Severe Storms And Flooding, May 2006 · 4 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 88% 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

Cell Coverage

5G (outdoors only) and 4G LTE

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