405 Bay Road, Andover, NH, 03216
About This Home
Transcend the bustle in this country Cape overlooking The Bay on the Blackwater River in scenic Andover, New Hampshire. Whether you're searching for a peaceful year-round residence or the perfect escape, this inviting home offers the best of New Hampshire's four-season lifestyle. Set on one-half acre, the property offers a manageable country setting with the practical advantage of easy year-round access and no long driveway to plow after a NH snowfall. Wake each morning in the spacious 2nd floor primary bedroom with half-bath and spacious walk-in. Newly refinished wood flooring and a 1st floor bedroom offer extra convenience, while a bonus room provides flexibility as a home office, guest room, or hobby space. Step out onto the expansive rear deck for your morning coffee, to entertain or unwind. The walkout basement provides abundant storage for toys and equipment. The dream of NH waterfront living without the tourists: paddle, row, or motor from your own shore, take a splash or cast a line. Located five minutes from the village of Andover, home of Proctor Academy, 30 minutes from the State Capitol in Concord, and 50 min from Manchester-Boston Regional Airport. Whether your vision is a cozy primary residence, or a place where weekends become lifelong memories, 405 Bay Road invites you to slow down, reconnect with nature, and experience waterfront living on one of Central New Hampshire's hidden gems. For those seeking a two-dwelling plan or extended family retreat, this home’s neighboring 411 Bay Road is also available now at MLS# 530546 from the same owner. Please conduct due diligence on dimensions, insurance, lot lines, etc.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1950
Materials
- Foundation: Concrete
- Roof: Asphalt Shingle
- Construction materials: Wood Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Cape
- Property subType: Single Family Residence
Interior
Basement
- Has basement: Yes
- Basement: Concrete,Concrete Floor,Gravel,Unfinished,Walkout,Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- 3/4 bathrooms: 1
- 1/2 bathrooms: 1
Features
- Finished area below ground: 0
- Finished area above ground: 1,323
Heating & Cooling
- Heating features: Propane,Gas Stove
- Cooling features: Wall Unit(s)
Interior Area
- Total structure area: 2,135
- Total interior livable area: 1,323 sqft
Property
Details
- Parcel number: ANDVM00004B000627L000037
- Zoning description: (FA) FOREST & AGRICULTURE
Features
- Levels: 1.75
- Stories: 1
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
- Waterbody name: Blackwater River
- Frontage length: Water frontage: 85,Road frontage: 106
Lot
- Lot size: 0.50 Acres
- Features: Recreational,Rolling Slope
Parking
- Parking features: Dirt,Gravel
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
- Lightning
- Inland Flooding
- Ice Storm
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across New Hampshire Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,401 | $28,812 |
| Home Insurance | $167 | $2,004 |
| Property Taxes | $581 | $6,972 |
| Electricity | $283 | $3,398 |
| Total | $3,432 | $41,184 |
Income You'd Need if You Spent...
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-27 | Listed for sale | $475,000 |
| 2022-09-19 | Sold | $375,000 |
| 2022-08-30 | Contingent | $375,000 |
| 2022-08-23 | Listed for sale | $375,000 |
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