Essex County and Rowley Town property record for 115 Central St, Rowley, MA 01969
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,708 sqft · built 1836 |
| Lot Size | 0.948 acres (41,292 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $7,595 (2026) |
| Deeds & Mortgages | Aug 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | ROWL M:0024 B:0099 L:0000 |
| Primary APN | ROWL M:0024 B:0099 L:0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 3 Stories |
| Building Area | 1,708 sqft Living Area |
| Gross Area | 2,566 sqft |
| Basement Area | 840 sqft |
| Unfinished Basement | 840 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1836 |
|---|---|
| Effective Year Built | Effective 1836 |
| Architectural Style | Historical |
| Exterior Material | Wood Siding |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 41,292 sqft (0.948 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 115 CENTRAL ST |
|---|---|
| City | ROWLEY |
| State | MA |
| Zip | 01969-1733 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OUT |
| Legal Block | 99 |
| Jurisdiction | ROWLEY MA |
| Township / Civil Division | ROWLEY |
| Census Block Group | 1 |
| Census Block | 1046 |
| Census Tract | 270100 |
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 | 115 CENTRAL ST, ROWLEY, MA 01969-1733 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 115 CENTRAL ST, ROWLEY, MA 01969-1733 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2021 |
| Name | Verified Name |
|---|
| Document Number | 40163-358 |
|---|---|
| Date | Aug 10, 2021 |
| Book Page | 40163/358 |
| Instrument | 20210810001690 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
Source: Essex County and Rowley Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Rowley Town |
| Unified School District | Triton School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,595.00 (+10.59%) | $628,200 (+7.66%) Land $295,600 Building $332,600 | $623,528 (-4.81%) |
| 2025 | $6,868.00 (+0.9%) | $583,500 (+3.71%) Land $281,500 Building $302,000 | $655,025 |
| 2024 | $6,807.00 (+4.24%) | $562,600 (+12.18%) Land $268,200 Building $294,400 | |
| 2023 | $6,530.00 | $501,500 Land $233,200 Building $268,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 134 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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