Essex County and Rowley Town property record for 118 Central St, Rowley, MA 01969
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,252 sqft · built 1998 |
| Lot Size | 4.99 acres (217,687 sqft) |
| Owner | Company Name on File |
| Last Sale | $379,900 (May 1999) |
| Tax Bill | $11,772 (2026) |
| Deeds & Mortgages | Jun 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | ROWL M:0023 B:0086 L:0000 |
| Primary APN | ROWL M:0023 B:0086 L:0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,252 sqft Living Area |
| Gross Area | 6,089 sqft |
| Basement Area | 952 sqft |
| Unfinished Basement | 952 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 217,687 sqft (4.99 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 118 CENTRAL ST |
|---|---|
| City | ROWLEY |
| State | MA |
| Zip | 01969-1317 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OUT |
| Legal Subdivision | TOKEN REALTY TRUST |
| Legal Block | 86 |
| Jurisdiction | ROWLEY MA |
| Township / Civil Division | ROWLEY |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 270100 |
118 Central St is owned by a company that bought it in May 1999.
Source: Essex County and Rowley Town records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 118 CENTRAL ST, ROWLEY, MA 01969-1317 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 24, 1999 · Amount on File |
| Deed Sale | May 24, 1999 · Amount on File |
| Prior Sale | Sep 11, 1997 · Amount on File |
| Deed Book / Page | 15691 / 296 |
| Transfer Doc | 2303000111 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Recording Date | Jun 26, 2026 |
| Property Address | 118 CENTRAL ST, ROWLEY, MA 01969-1317 |
| Document Number | 0000001660 |
| Book / Page | 43468 / 274 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 20261660 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000001660, |
|---|---|
| Date | Jun 26, 2026 |
| Book Page | 43468/274 |
| Instrument | 20261660 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jul 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
The 2026 property tax bill for 118 Central St was $11,772, up 4.5% from the year before.
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 | $11,772.00 (+4.46%) | $973,700 (+1.7%) Land $365,800 Building $607,900 | $1,147,195 (+15.6%) |
| 2025 | $11,269.00 (+1.19%) | $957,400 (+4.03%) Land $348,600 Building $608,800 | $992,370 |
| 2024 | $11,136.00 (+4.83%) | $920,300 (+12.8%) Land $332,000 Building $588,300 | |
| 2023 | $10,623.00 | $815,900 Land $283,400 Building $532,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 118 Central St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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.
Wildfire risk around 118 Central St is low, with a 0.01% annual chance of 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 | 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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