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197 River Rd, Andover, MA, 01810

3beds
1baths
1,320sqft
$679,900
$515price/sqft
$4,679/moest. monthly cost
$187,160/yrincome needed

About This Home

Enjoy the ease of one-level living in this move-in ready ranch set on a beautiful one-acre lot in one of Andover's most convenient locations. Hardwood floors flow throughout the home, complemented by a spacious fireplaced living room and an updated eat-in kitchen with new flooring. Three comfortable bedrooms are accompanied by a versatile bonus room with a closet, offering the flexibility for a home office, den, guest room or whatever best suits your lifestyle. The full basement provides abundant storage, while the oversized attached garage offers plenty of space for a vehicle, workshop or hobbies. Outside, the expansive backyard delivers the privacy and open space that's becoming increasingly difficult to find. Just minutes to Route 93, downtown Andover, shopping, dining and highly regarded schools, this is an outstanding opportunity to enjoy all the benefits of Andover in a home that's ready for its next chapter.

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

9/10
8/10
10/10
Andover High SchoolGrades 9-123.6 mi

Construction

Condition

  • Year built: 1950

Materials

  • Foundation: Concrete Perimeter
  • Roof: Rubber
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Water Heater,Water Heater,Range,Dishwasher,Washer,Dryer

Basement

  • Has basement: Yes
  • Basement: Full,Bulkhead,Sump Pump,Concrete

Bedroom2

  • Level: First
  • Area: 153.75

Bedroom3

  • Level: First
  • Area: 137.368055555

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Level: First
  • Area: 102.861111111

Features

  • Bonus Room,High Speed Internet
  • Window features: Insulated Windows
  • Flooring: Tile,Hardwood
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area above ground: 1,320

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 1,320
  • Total interior livable area: 1,320 sqft

Kitchen

  • Level: First
  • Area: 98.25

Living Room

  • Level: First
  • Area: 225.555555555

Master Bedroom

  • Level: First
  • Area: 206.888888888

Property

Details

  • Parcel number: 1845071
  • Zoning: SRC

Features

  • Patio & porch: Porch,Patio
  • Exterior features: Porch,Patio,Rain Gutters

Lot

  • Lot size: 1 Acres

Parking

  • Total spaces: 4
  • Parking features: Attached,Paved Drive,Off Street,Paved
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Uncovered spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Earthquake
    EarthquakeModerate
  • Hurricane
    HurricaneModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Earthquake
Hurricane
Lightning
Strong Wind
Tornado
Tsunami

FEMA Declared Disasters Across Massachusetts Counties

Hurricane

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,437$41,244
Home Insurance *$163$1,956
Property Taxes $725$8,700
Electricity $354$4,259
Total$4,679$56,148
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$160,422/yr
40% on housing$140,370/yr
45% on housing$124,773/yr

Massachusetts FAIR Plan Programs

Massachusetts Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 213,928Commercial: 230
Total Premiums$400.85M
Total Exposure$115.57B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.2%
8.2%
0%30.0%
Electricity Growth Rate10-year average: 7.9%
7.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.5%
-0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$515This listing

vs Other Active Listings

Avg $/sqft

ZIP 01810$411
Essex County$385

vs Homes Sold Last Month

Median $/sqft

ZIP 01810$396
Essex County$387

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-30Listed for sale$679,900
2005-03-18Sold$370,300
2001-10-22Sold$268,500
1993-10-22Sold$5,000
1989-08-25Sold$145,000

For Sale by Agent

AgentSamuel McLennan
BrokerageCentury 21 McLennan & Company

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