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Single Family ResidenceResidential
$880,433$481 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

98 RIVER ST

ANDOVER, MA 01810
3
Beds
1.5
Baths
1,830 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.69 ac
Lot SizeThe size of the land the home sits on, from county records.
1984
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$880K
$816K low$945K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$660,433
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$528,346
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.26%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$150,000
EASTERN BANK · recorded Apr 16, 2019
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$70,000
GARY NEEDHAM

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$9,061 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$725,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$395,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$329,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$611,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$888,630

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.99 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Colonial
CountyESSEX
Lot (acres)The size of the land the home sits on, from county records.0.69
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Basement
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(8)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
South Elementary SchoolA-
Elementary · Grades KG–5 · 0.8 mi
H
Andover High SchoolA+
High · Grades 9–12 · 2.9 mi
M
West Middle SchoolA-
Middle · Grades 6–8 · 3.0 mi

District: Andover School District

Neighborhood · ZIP 01810These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.41
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.99
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.90

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.35%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.37,155
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,160 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$155,617
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$207,356
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.46 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

98 River St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 71% of homes in Essex County
  • Costs more per square foot than 82% of homes in Andover 01810
  • Smaller than 72% of homes in Andover 01810
  • Has a bigger lot than 77% of homes in Essex County
  • Newer than 74% of homes in Essex County

What homes are worth in Andover 01810

Each bar is how many homes fall in that price range. The marker is this home.

This home
$296K$2.3M

This home is worth more than 37% of homes in Andover 01810.

How it measures up in Andover 01810

The dot is this home. The mark in the middle is the typical home in Andover 01810.

Estimated value$880,433
CheaperTypical $994,938Pricier

Pricier than 37% of homes nearby

Price per ft²$481
CheaperTypical $410Pricier

Pricier than 82% of homes nearby

Living area1,830 ft²
SmallerTypical 2,466 ft²Bigger

Bigger than 28% of homes nearby

Lot size0.69 ac
SmallerTypical 0.77 acBigger

Bigger than 40% of homes nearby

Year built1984
OlderTypical 1969Newer

Newer than 71% of homes nearby

How 98 River St ranks against every home in each area.
MeasureThis homeAndover 01810Essex County
Estimated valuepricier than$880,43337% of homes71% of homes
Price per ft²pricier than$48182% of homes73% of homes
Living areabigger than1,830 ft²28% of homes50% of homes
Lot sizebigger than0.69 ac40% of homes77% of homes
Year builtnewer than198471% of homes74% of homes

About 98 River St

How much is 98 River St, Andover, MA worth?

The TopHap Estimate for 98 River St, Andover, MA is $880,433 as of Jul 14, 2026. The likely range is $816,011 to $944,855. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 98 River St, Andover, MA last sell?

98 River St, Andover, MA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 98 River St, Andover, MA?

98 River St, Andover, MA has 3 bedrooms, 1.5 bathrooms, 1,830 square feet of living space and a 0.69-acre lot.

When was 98 River St, Andover, MA built?

98 River St, Andover, MA was built in 1984, making it 42 years old. It is a colonial home. The building has 2 stories.

What schools serve 98 River St, Andover, MA?

98 River St, Andover, MA is assigned to South Elementary School (elementary), rated A-; Andover High School (high), rated A+; West Middle School (middle), rated A-. All sit in Andover School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 98 River St, Andover, MA compare to other homes in Andover 01810?

Among the 11,074 homes in Andover 01810, it is worth more than 37% of them ($880,433 against a typical $994,938), its price per square foot is higher than 82% of them ($481 against a typical $410), it is bigger than 28% of them (1,830 ft² against a typical 2,466 ft²), its lot is bigger than 40% of them (0.69 ac against a typical 0.77 ac) and it is newer than 71% of them (1984 against a typical 1969). Measured against all of Essex County, it is worth more than 71% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 98 River St, Andover, MA?

The 2025 property tax bill for 98 River St, Andover, MA was $9,061. The county assessed it at $725,500.

Closest homes

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Assigned schools

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