108 Central St, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 108 Central St, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,704 sqft · built 1838
Lot Size	0.918 acres (40,000 sqft)
Owner	Individual Name on Record
Last Sale	$575,000 (May 2025)
Tax Bill	$8,377 (2026)
Deeds & Mortgages	May 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0024 B:0031 L:0000`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0024 B:0031 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	2,704 sqft Living Area
Gross Area	6,103 sqft
Basement Area	871 sqft
Unfinished Basement	871 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1838
Effective Year Built	Effective 1838
Architectural Style	Historical
Exterior Material	Wood Siding
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,000 sqft (0.918 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	108 CENTRAL ST
City	ROWLEY
State	MA
Zip	01969-1317
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OUT
Legal Block	31
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	1
Census Block	1043
Census Tract	270100

Owner

Source: Essex County and Rowley Town records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	108 CENTRAL ST, ROWLEY, MA 01969-1317
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2025 · Amount on Record
Deed Sale	May 15, 2025 · Amount on Record
Prior Sale	Oct 1, 1993 · Amount on Record
Deed Book / Page	42717 / 23
Record Updated	Oct 29, 2026

May 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	May 15, 2025
Property Address	108 CENTRAL ST, ROWLEY, MA 01969-1317
Document Number	0042717-23
Book / Page	42717 / 23
Instrument Date	May 15, 2025
Instrument	20250515002710
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 CENTRAL ST, ROWLEY, MA 01969-1317

Mortgage

Document Number	20250515002720
Date	May 15, 2025
Instrument	20250515002720

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Essex County and Rowley Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Rowley Town
Unified School District	Triton School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,377.00 (+5.61%)	$692,900 (+2.82%) Land $294,000 Building $398,900	$808,549 (+48.66%)
2025	$7,932.00 (+0.72%)	$673,900 (+3.55%) Land $280,000 Building $393,900	$543,875
2024	$7,875.00 (+5.58%)	$650,800 (+13.6%) Land $266,800 Building $384,000
2023	$7,459.00	$572,900 Land $232,000 Building $340,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	2 (2017–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2024 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ROWLEY WATER DEPARTMENT serves 6,161 people · EPA ID MA3254000
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880