20-22 Florence St, Andover MA 01810

Andover, MA 01810 • In Town
$1,500,000
Est. $8,785/month
6
Beds
2
Baths
3,713
Sq Ft
$404
Price/Sq Ft
0.32
Acres
1920
Year Built
13 hours 32 minutes
Time on Market
Active Listed Jan 7, 2026 • MLS# 73464709 Copied!

About this home

Rare opportunity! 20–22 Florence St is a 3-family home rich in historic charm, set on an exceptional lot in one of downtown Andover’s most sought-after locations. With ample parking and an expansive yard, the property offers outstanding potential for expansion, enhancement, or future value-add opportunities. Ideal for investment income, condo conversion, owner occupancy, multigenerational living, or a combination of all four. Enjoy true walk-to-everything - shopping, restaurants, the train station, and all that downtown Andover has to offer. The top-level unit features central A/C, in-unit laundry, and beautiful hardwood floors, which continue throughout the home. The first and second-floor units are spacious with high ceilings, showcasing original built-ins, period trim, and classic doors and hardware. A 4-year-old roof adds peace of mind. Close to major highways, this is a standout downtown offering not to be missed.

Property Overview

Property Type
3 Family
Listing Type
For Sale
Year Built
1920
Bedrooms
6
Full Bathrooms
2
Living Area
3,713 sq ft
Total Rooms
14
Stories
3
Levels
3

Facts & Features

Central AC

Home Facts

Type Residential Income
Style 3 Family
Year Built 1920
Living Area 3,713 sq ft
Lot Size 0.32 acres
Bedrooms 6
Full Baths 2
Total Rooms 14

Interior

Heating Central, Baseboard, Natural Gas
Cooling Central Air
Flooring Tile, Hardwood, Stone/ceramic Tile
Appliances Range, Dishwasher, Refrigerator, Washer, Dryer
Fireplace None
Basement Full, Walk-out Access, Interior Entry, Sump Pump, Concrete, Unfinished
Laundry Gas Dryer Hookup, Washer Hookup
Features Laundry Room, Ceiling Fan(s), Crown Molding, Open Floorplan, Internet Available - Unknown, Bathroom With Tub & Shower, Living Room, Dining Room, Kitchen

Exterior

Construction Frame
Architecture None
Roof Shingle
Features None
Pool None
Spa None
Fencing None
Patio/Porch Porch, Deck - Composite

Parking

Features Paved Drive, Off Street, Driveway
Total Spaces 5

Utilities

Electric 200+ Amp Service
Water Public
Sewer Public Sewer
Gas None
Other For Electric Range, For Gas Dryer, Washer Hookup, Varies Per Unit

Financial

Annual Tax $12,005
Assessed Value $975,300

Interior Features

Flooring: Tile, Hardwood, Stone/Ceramic Tile
Appliances: Range, Dishwasher, Refrigerator, Washer, Dryer
Interior Features: Laundry Room, Ceiling Fan(s), Crown Molding, Open Floorplan, Internet Available - Unknown, Bathroom With Tub & Shower, Living Room, Dining Room, Kitchen
Windows:
Basement: Full, Walk-Out Access, Interior Entry, Sump Pump, Concrete, Unfinished
Laundry: Gas Dryer Hookup, Washer Hookup
Security:

Construction & Materials

Year Built: 1920
Structure Type:
Exterior Materials: Frame
Roof: Shingle
Foundation: Stone
Stories: 3

Heating, Cooling & Utilities

Heating: Central, Baseboard, Natural Gas
Heating Zones: 3
Cooling: Central Air
Cooling Zones: 1
Hot Water: Natural Gas
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

Exterior Features:
Patio & Porch: Porch, Deck - Composite
Fencing:
Other Structures:
Lot Features: Gentle Sloping, Level
Road Surface:

Parking & Garage

Total Parking Spaces: 5
Parking Features: Paved Drive, Off Street, Driveway

Location

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Neighborhood

In Town

20-22 Florence St, Andover MA 01810

Andover, MA 01810

Walkability

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Nearby Schools

School District
Andover School District local
School Safety 2024-25
0.4% Low
0.4% Suspensions 0.1% In-School
5.1% below state avg
E

Elementary Schools

10 schools
Saint Augustine School
0.3 mi
Grades PK-08
The Pike School Inc
1.8 mi
Grades PK-09
Andover School of Montessori
2.6 mi
Grades PK-08
Anderson School
2.9 mi
Grades PK-07
Melmark New England School
5.6 mi
Grades PK-12
Shawsheen School
1.9 mi
85 students Diverse
Grades PK
A
West Elementary School
1.9 mi | #138 of 824 | Score: 57.4
Improved 139 spots from last year
-0.8 below state avg
605 students Diverse
Grades K-05
A+
South Elementary School
2.3 mi | #58 of 824 | Score: 61.7
Dropped 8 spots from last year
+3.5 above state avg
438 students Diverse
Strong Attendance
Grades K-05
A+
Henry C Sanborn Elementary School
2.3 mi | #27 of 824 | Score: 64.1
Improved 14 spots from last year
+5.9 above state avg
332 students Diverse
Strong Attendance
Grades K-05
A+
High Plain Elementary School
3.7 mi | #49 of 824 | Score: 62.4
Improved 50 spots from last year
+4.2 above state avg
505 students Diverse
Diverse Student Body
Grades K-05
M

Middle Schools

3 schools
A
Doherty Middle School
0.3 mi | #41 of 352 | Score: 58.5
Improved 13 spots from last year
+0.3 above state avg
493 students Moderate
Strong Attendance
Grades 06-08
A
Andover West Middle School
0.7 mi | #49 of 352 | Score: 57.0
Dropped 33 spots from last year
-1.2 below state avg
508 students Diverse
Grades 06-08
A
Wood Hill Middle School
4.1 mi | #69 of 352 | Score: 53.8
Dropped 38 spots from last year
-4.5 below state avg
317 students Diverse
Diverse Student Body Strong Attendance
Grades 06-08
H

High Schools

3 schools
Phillips Academy
0.6 mi
Grades 09-12
A+
Andover High School
0.9 mi | #24 of 346 | Score: 72.8
Improved 10 spots from last year
+14.6 above state avg
1,609 students Diverse
20 sports • 2,968 athletes
Strong AP Program High Graduation Rate College Ready Curriculum Strong Athletics
Grades 09-12
B+
Greater Lawrence Regional Vocational Technical School
4.1 mi | #140 of 346 | Score: 56.5
Improved 48 spots from last year
-1.7 below state avg
1,837 students Moderate
High Graduation Rate Career Tech Programs College Ready Curriculum
Grades 09-12
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Monthly Payment Breakdown

Principal & Interest $0
Property Tax $1,000
Homeowners Insurance $200
PMI (if <20% down) $0

Loan Summary

Total of 360 payments $0
Total principal paid $0
Total interest paid $0

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Payment Over Time

Interest
Principal
Year 1
95% Interest
Year 15
50/50
Year 30
95% Principal
* Estimates only. Actual payments may vary. Consult with a lender for accurate figures.

Property History

Property Timeline

🏠
Listed for Sale
Jan 7, 2026
$1,500,000
Original listing
Office: Berkshire Hathaway HomeServices Verani Realty

Price & Status History

Date Event Price Change
Jan 7, 2026 New Listing Added $1,500,000

Market Statistics

Time on Market
13 hours 32 minutes
Price per Sq Ft
$404

Tax History

Year Taxes Assessment
2026 $12,005 $975,300

Financial Details

Annual Property Tax
$12,005
Tax Year 2026
Assessed Value
$975,300

Listing Information

Listing Agent Julie Ratte
Listing Office Berkshire Hathaway HomeServices Verani Realty
Agent MLS ID CN233779
Office MLS ID AN1293
Listing information is deemed reliable but not guaranteed. Data provided by MLS Property Information Network, Inc. All information should be independently verified.

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Market Analytics for Andover, MA

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