Dimensions13 x 21
FeaturesFlooring - Hardwood
LevelSecond
81 Central St, Andover MA 01810
Andover, MA 01810
$1,199,900
Est. $7,278/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
Tucked close to the heart of town and Phillips Academy, this stunning antique Gothic Revival home blends timeless character with thoughtful modern updates. Two bedroom suites—with an option to convert the office/studio to a third bedroom—including 2½ baths offer comfortable, move-in-ready living. The updated cook’s kitchen and pantry, upscale renovated bathroom, newer furnace and roof bring today’s convenience and best quality to a home full of period charm. Shiplap paneling and custom woodwork throughout add the kind of character new construction simply cannot replicate. Outside, a gorgeous, professionally landscaped lot provides a private, picturesque backdrop for outdoor living and entertaining, offering a peaceful retreat just steps from everything downtown Andover has to offer. The back covered porch is a great place for al fresco dining or relaxing with a cup of coffee in the morning. Commuters will love the unbeatable convenience of being within close proximity to the Andover commuter rail station, with direct service into Boston, making this an ideal home base for anyone splitting time between in-town charm and a city commute. For buyers looking to grow into the space, there's excellent potential to add a third bedroom, making this a smart choice for a variety of lifestyles, whether you're a first-time buyer, downsizing, or simply looking to plant roots in one of Andover's most sought-after neighborhoods. With its unbeatable in-town location, proximity to shops, restaurants, and the train, and a rare blend of historic character and modern livability, this is a genuine opportunity to own a piece of local history.
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Recently Sold Nearby
Property History
Property Timeline
Listed for Sale
Sep 9, 2026
$1,199,900
Original listing
Agent: The Lucci Witte Team
Office: William Raveis R.E. & Home Services
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 09/09/2026 | 🏠 Listed for Sale | $1,199,900 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2025 | $12,129 | $971,100 |
Financial Details
Annual Property Tax
$12,129
Tax Year 2025
Assessed Value
$971,100
Facts & Features
Central AC
Home Facts
Type
Residential
Style
Single Family Residence
Year Built
1845
Living Area
2,651 sq ft
Lot Size
0.58 acres
Bedrooms
2
Full Baths
2
Half Baths
1
Total Rooms
8
Interior
Heating
Forced Air, Natural Gas
Cooling
Central Air
Flooring
Vinyl, Hardwood, Flooring - Hardwood
Appliances
Gas Water Heater, Electric Water Heater, Oven, Dishwasher, Washer, Dryer
Fireplace
Living Room
Fireplaces
1
Basement
Full
Laundry
Flooring - Hardwood, First Floor
Features
Office
Exterior
Construction
Frame
Architecture
Greek Revival
Roof
Shingle
Features
Porch, Deck, Deck - Wood
Pool
None
Spa
None
Fencing
None
Patio/Porch
Porch, Deck, Deck - Wood
Parking
Features
Off Street
Total Spaces
5
Utilities
Electric
Circuit Breakers
Water
Public
Sewer
Public Sewer
Gas
None
Other
None
Financial
Annual Tax
$12,129
Assessed Value
$971,100
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
81 Central Street Is Part Of Historic Preservation And The Local Historic District. New Ovens On Order And Will Be Replaced Prior To Closing. Public Record States 1.5 Bathrooms. Buyer And Buyers Agent To Conduct Due Diligence. Some Photos Virtually Enhanced. Some Windows Painted Shut.
Exclusions
Refrigerator Excluded. See Additional Details At Attached Inclusion/Exclusion Form.
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
House Color
White
Sq Ft Source
Appraiser
Documents
None
County
Essex
Property Overview
Property Type
Single Family Residence
Listing Type
For Sale
Year Built
1845
Bedrooms
2
Full Bathrooms
2
Half Bathrooms
1
Living Area
2,651 sq ft
Total Rooms
8
Floor Layout
Interactive room guide
Floor Layout
Finished Area
2,651 sq ft above grade
Dimensions15 x 15
FeaturesCloset, Flooring - Hardwood
LevelSecond
Dimensions12 x 9
FeaturesFlooring - Hardwood
LevelSecond
Dimensions10 x 9
FeaturesBathroom - Full, Bathroom - Double Vanity/Sink, Bathroom - Tiled With Tub & Shower, Flooring - Hardwood
LevelSecond
Dimensions8 x 12
FeaturesBathroom - Full, Bathroom - With Shower Stall, Flooring - Hardwood
LevelSecond
Dimensions20 x 26
FeaturesCloset, Flooring - Hardwood
LevelSecond
Dimensions9 x 19
FeaturesFlooring - Hardwood, Flooring - Vinyl, Kitchen Island, Cabinets - Upgraded, Recessed Lighting, Remodeled
LevelFirst
Dimensions6 x 4
FeaturesBathroom - Half, Flooring - Hardwood
LevelFirst
Dimensions13 x 20
FeaturesFlooring - Hardwood, Chair Rail, Lighting - Sconce
LevelFirst
Dimensions21 x 17
FeaturesFlooring - Hardwood, Deck - Exterior, Exterior Access, Recessed Lighting, Remodeled, Lighting - Sconce
LevelFirst
Dimensions14 x 24
FeaturesFlooring - Hardwood, Lighting - Sconce
LevelFirst
Display Options
Outdoor Areas
Patio & porchPorch, Deck, Deck - Wood
Room Markers
OOffice (1)
KKitchen (1)
BRBedroom (5)
BABathroom (4)
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:
Vinyl, Hardwood, Flooring - Hardwood
Appliances:
Gas Water Heater, Electric Water Heater, Oven, Dishwasher, Washer, Dryer
Interior Features:
Office
Windows:
Basement:
Full
Laundry:
Flooring - Hardwood, First Floor
Security:
Construction & Materials
Style:
Greek Revival
Year Built:
1845
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle
Foundation:
Concrete Perimeter, Stone
Heating, Cooling & Utilities
Heating:
Forced Air, Natural Gas
Heating Zones:
2
Cooling:
Central Air
Cooling Zones:
2
Hot Water:
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Porch, Deck, Deck - Wood
Patio & Porch:
Porch, Deck, Deck - Wood
Fencing:
Other Structures:
Lot Features:
Level
Road Surface:
Parking & Garage
Total Parking Spaces:
5
Parking Features:
Off Street
Special Features
Fireplaces:
1
Fireplace Type:
Living Room
Community Amenities:
Public Transportation, Shopping, Park, Highway Access, Private School, Public School, T-Station
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
$1,011
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
81 Central St, Andover MA 01810
Andover, MA 01810
Listing Information
Listing Agent
The Lucci Witte Team
Listing Office
William Raveis R.E. & Home Services
Office Phone
978-475-5100
Agent MLS ID
TM309944
Office MLS ID
AN0949
Listing Data Updated
Sep 9, 2026 10:34 AM 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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