FeaturesFlooring - Stone/Ceramic Tile
LevelFirst
97 Cross Street, Andover MA 01810
Andover, MA 01810
$987,186
$949,186
Est. $5,806/month
Estimate assumptions
20% down, a 30-year loan at 6.5%, and $200/month estimated insurance.
Includes the supplied property-tax and HOA inputs; missing inputs contribute $0. HOA fees with an unspecified frequency are treated as monthly. PMI and closing costs are excluded.
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Open House Schedule
07
Nov
Saturday, November 7
11:00 AM - 1:00 PM EST
About this home
Ideal for multigenerational living! Nestled on 1.03 acres in a desirable Andover neighborhood, this spacious 3,282+ sq. ft. home offers a rare opportunity for extended families to live together while enjoying their own private spaces. Featuring two additional living suites, the home provides exceptional flexibility! The main-level suite includes a private bedroom, full bath, living room, walk-in closet, and separate entrance. The lower-level suite offers a fireplaced living room, half bath, kitchenette, and flexible fifth-bedroom configuration. The main living area features a contemporary kitchen with breakfast bar, open living and dining rooms, and a stunning 14’ x 16’ custom sunroom overlooking the private grounds. Numerous updates include a high-efficiency heating system, newer windows and siding, upgraded electrical, and added insulation. Complete with a two-car garage and parking for 8+ vehicles. Conveniently located near downtown Andover, schools, commuter rail, and major highways ocean and mountains.
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Recently Sold Nearby
Price & Status History
Market Insights
1
Price Changes
49.3%
Price Range
1
Previous Sales
Property Timeline
Price Reduced
Nov 2, 2026
$949,186
$38,000
(-3.85%)
From $987,186 to $949,186 (-3.9%)
Showing Instructions Updated
Oct 19, 2026
New showing requirements
Showing Instructions Updated
Oct 16, 2026
New showing requirements
Listed for Sale
Oct 16, 2026
$987,186
Original listing
Agent: Constance Doto
Office: Connie Doto Realty Group
Previous Transaction - MLS #70177861
Full transaction history available when tracking began
Previously Sold
Aug 17, 2005
$500,186
MLS #70177861
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 11/02/2026 | ↓ Price Reduced | $949,186 | $38,000 | - | From $987,186 to $949,186 (-3.9%) |
| 10/19/2026 | 👁️ Showing Instructions Updated | - | - | - | New showing requirements |
| 10/16/2026 | 👁️ Showing Instructions Updated | - | - | - | New showing requirements |
| 10/16/2026 | 🏠 Listed for Sale | $987,186 | - | - | Original listing |
| 08/17/2005 | 🏷️ Previously Sold | $500,186 | - | - | MLS #70177861 |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2025 | $9,681 | $775,100 |
Financial Details
Annual Property Tax
$9,681
Tax Year 2025
Assessed Value
$775,100
Facts & Features
2 Car Garage
Home Facts
Type
Residential
Style
Single Family Residence
Year Built
1964
Living Area
3,282 sq ft
Lot Size
1.03 acres
Bedrooms
4
Full Baths
2
Half Baths
2
Total Rooms
11
Interior
Heating
Baseboard, Propane
Cooling
None
Flooring
Tile, Hardwood
Appliances
Tankless Water Heater, Oven, Dishwasher, Microwave, Range, Refrigerator, Washer, Dryer
Fireplace
Family Room, Living Room
Fireplaces
2
Basement
Full, Partially Finished
Laundry
In Basement
Features
Bathroom - Half, Sun Room, Inlaw Apt., Bathroom, Bedroom
Exterior
Construction
Frame
Architecture
Raised Ranch, Split Entry
Roof
Shingle
Features
Storage
Pool
None
Spa
None
Fencing
None
Patio/Porch
None
Parking
Garage Spaces
2
Has Garage
Yes
Features
Under, Paved Drive, Off Street
Total Spaces
10
Utilities
Electric
Circuit Breakers
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Electric Range
Financial
Annual Tax
$9,681
Assessed Value
$775,100
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
Down Payment Resource
Eligible
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
Buyer & Buyers Agent To Conduct Their Own Due Diligence Regarding All Information Contained In This Listing. All Measurements Are Approximate. Some Photos Have Been Virtually Staged/enhanced
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
Sq Ft Source
Public Record
Documents
None
County
Essex
Total market time (incl. prior listings)
21 days
Property Overview
Property Type
Single Family Residence
Listing Type
For Sale
Year Built
1964
Bedrooms
4
Full Bathrooms
2
Half Bathrooms
2
Living Area
3,282 sq ft
Total Rooms
11
Floor Layout
Interactive room guide
Floor Layout
Finished Area
3,282 sq ft above grade
LevelFirst
LevelFirst
LevelFirst
FeaturesBathroom - Full
LevelFirst
FeaturesBathroom - Full
LevelFirst
FeaturesBathroom - Half
LevelFirst
FeaturesFlooring - Hardwood, Recessed Lighting
LevelFirst
LevelFirst
LevelFirst
LevelBasement
Display Options
Room Markers
KKitchen (1)
BRBedroom (4)
BABathroom (3)
DDining (1)
LLiving (2)
Conceptual diagram based on MLS room data. It is not to scale and is not a substitute for architectural plans or on-site measurements.
Interior Features
Flooring:
Tile, Hardwood
Appliances:
Tankless Water Heater, Oven, Dishwasher, Microwave, Range, Refrigerator, Washer, Dryer
Interior Features:
Bathroom - Half, Sun Room, Inlaw Apt., Bathroom, Bedroom
Windows:
Basement:
Full, Partially Finished
Laundry:
In Basement
Security:
Construction & Materials
Style:
Raised Ranch, Split Entry
Year Built:
1964
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle
Foundation:
Irregular
Utilities & Systems
Heating:
Baseboard, Propane
Heating Zones:
2
Cooling:
None
Hot Water:
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Storage
Patio & Porch:
Fencing:
Other Structures:
Lot Features:
Road Surface:
Parking & Garage
Garage Spaces:
2
Garage Type:
Attached
Total Parking Spaces:
10
Parking Features:
Under, Paved Drive, Off Street
Special Features
Fireplaces:
2
Fireplace Type:
Family Room, Living Room
Community Amenities:
Public Transportation, Shopping, Park, Walk/Jog Trails, Golf, Laundromat, Highway Access, Public School
Nearby Schools
School District
Andover School District local
A+
School Safety
2024-25
0.4%
Low
0.4%
Suspensions
0.1%
In-School
5.1% below state avg
Elementary Schools
10 schools
Melmark New England School
1.8 mi
Grades PK-12
Anderson School
3.7 mi
Grades PK-07
Saint Augustine School
4.3 mi
Grades PK-08
The Pike School Inc
5.5 mi
Grades PK-09
Andover School of Montessori
6.2 mi
Grades PK-08
A+
High Plain Elementary School
1.1 mi
|
#52 of 825
|
Score: 62.3
Improved 47 spots from last year
+4.1 above state avg
500 students
Diverse
Rising School
Diverse Student Body
Strong Attendance
Grades K-05
Shawsheen School
2.6 mi
104 students
Diverse
Diverse Student Body
Grades PK
A
West Elementary School
2.6 mi
|
#134 of 825
|
Score: 57.5
Improved 143 spots from last year
-0.7 below state avg
594 students
Diverse
Rising School
Strong Attendance
Grades K-05
A+
Henry C Sanborn Elementary School
3.2 mi
|
#26 of 825
|
Score: 64.3
Improved 15 spots from last year
+6.1 above state avg
308 students
Diverse
Strong Attendance
Grades K-05
A+
South Elementary School
5.0 mi
|
#58 of 825
|
Score: 61.5
Dropped 8 spots from last year
+3.3 above state avg
420 students
Diverse
Strong Attendance
Grades K-05
Middle Schools
3 schools
A
Wood Hill Middle School
0.4 mi
|
#69 of 352
|
Score: 53.5
Dropped 38 spots from last year
-4.7 below state avg
336 students
Diverse
Diverse Student Body
Strong Attendance
Grades 06-08
A
Andover West Middle School
3.8 mi
|
#52 of 352
|
Score: 56.4
Dropped 36 spots from last year
-1.8 below state avg
478 students
Diverse
Strong Attendance
Grades 06-08
A
Doherty Middle School
4.6 mi
|
#42 of 352
|
Score: 58.4
Improved 12 spots from last year
+0.2 above state avg
484 students
Moderate
Strong Attendance
Grades 06-08
High Schools
3 schools
B+
Greater Lawrence Regional Vocational Technical School
2.0 mi
|
#137 of 346
|
Score: 57.4
Improved 51 spots from last year
-0.9 below state avg
1,893 students
Moderate
High Graduation Rate
Rising School
Career Tech Programs
College Ready Curriculum
Grades 09-12
A+
Andover High School
3.6 mi
|
#24 of 346
|
Score: 72.9
Improved 10 spots from last year
+14.7 above state avg
1,578 students
Diverse
20 sports
• 2,968 athletes
Strong AP Program
High Graduation Rate
College Ready Curriculum
Strong Athletics
Grades 09-12
Phillips Academy
5.0 mi
Grades 09-12
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Over life of loan
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Including down payment
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Down: $0
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Monthly Payment Breakdown
Principal & Interest
$0
Property Tax
$807
Homeowners Insurance
$200
PMI (if <20% down)
$0
Loan Summary
Total of 360 payments
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Payment Over Time
Year 1
95% Interest
Year 15
50/50
Year 30
95% Principal
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Location
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Neighborhood
97 Cross Street, Andover MA 01810
Andover, MA 01810
Listing Information
Listing Agent
Constance Doto
Listing Office
Connie Doto Realty Group
Office Phone
978-683-0004
Agent MLS ID
G0002741
Office MLS ID
AC0865
Listing Data Updated
Nov 6, 2026 3:05 AM EST
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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