FeaturesFlooring - Stone/Ceramic Tile
LevelFirst
97 Cross Street, Andover MA 01810
Andover, MA 01810
$987,186
Est. $5,998/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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About this home
Nestled on 1.03 acres in one of Andover’s most desirable neighborhoods, this exceptional raised ranch/split-entry home offers a rare blend of timeless New England character, contemporary style, modern efficiency, and remarkable versatility. Featuring over 3,282 square feet of thoughtfully designed living space, this unique property offers privacy and flexibility just minutes from top-rated schools, downtown Andover, commuter rail, and major transportation routes.The contemporary kitchen features a breakfast bar and opens seamlessly to the living and dining rooms, creating an inviting space for everyday living and entertaining. A true highlight is the spectacular 14’ x 16’ custom sunroom, complete with 9-foot ceilings, oversized sliding windows, and multiple access points to the garden and outdoor entertaining areas. Surrounded by natural light, this extraordinary space beautifully blends indoor and outdoor living.Designed with multigenerational living in mind, the home offers two additional private living suites. The first, located on the main living level, features a private bedroom, full bath, separate living room, walk-in closet, and dedicated entrance—ideal for extended family, guests, or live-in caregivers. The second suite on the lower level offers a fireplaced living room, half bath, studio-style kitchenette with refrigerator and microwave, and a flexible fifth-bedroom configuration. This versatile space is perfect for guests, a private retreat, recreation, or a home office.Significant upgrades provide added comfort, efficiency, and long-term value, including a high-efficiency propane heating system, new hot water storage tank, newer windows and siding, upgraded 200-amp electrical service, blown-in attic insulation, and foam-board crawlspace insulation.A spacious two-car attached garage, expansive private driveway with parking for eight or more vehicles, and a convenient turnaround area complete this exceptional offering. Enjoy the best of both worlds with easy access to major highways, tax-free New Hampshire shopping, the mountains, and the seacoast. A truly distinctive Andover property offering space, privacy, and outstanding versatility for today’s lifestyle!
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Recently Sold Nearby
Price & Status History
Market Insights
49.3%
Price Range
1
Previous Sales
Property Timeline
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 |
|---|---|---|---|---|---|
| 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
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
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
Sq Ft Source
Public Record
Documents
None
County
Essex
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 information not available for this location.
Monthly Payment Calculator
Monthly Payment
$0
Principal, interest, taxes & insurance
Loan Amount
$0
After down payment
Total Interest
$0
Over life of loan
Total Cost
$0
Including down payment
%
Down: $0
%
Monthly Payment Breakdown
Principal & Interest
$0
Property Tax
$807
Homeowners Insurance
$200
PMI (if <20% down)
$0
Loan Summary
Total of 360 payments
$0
Total principal paid
$0
Total interest paid
$0
Rate Impact
-0.5% Rate
$0/mo
Save $0/mo
Current Rate
$0/mo
+0.5% Rate
$0/mo
Cost $0/mo
Payment Over Time
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.
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
Oct 16, 2026 3:52 PM EDT
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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