12 Central Way, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 12 Central Way, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,610 sqft · built 1955
Lot Size	0.33 acres (14,375 sqft)
Owner	Company Name on Record
Last Sale	$310,000 (Feb 2010)
Tax Bill	$6,537 (2026)
Deeds & Mortgages	Mar 2023 Transfer Feb 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0028 B:0040 L:0000`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0028 B:0040 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,610 sqft Living Area
Gross Area	3,499 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Wood Siding
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	12 CENTRAL WAY
City	ROWLEY
State	MA
Zip	01969-1001
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OUT
Legal Subdivision	CENTRAL HOMES
Legal Block	40
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	1
Census Block	1036
Census Tract	270100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	12 CENTRAL WAY, ROWLEY, MA 01969-1001
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2023	Quit Claim Deed, Transfer Quitclaim
Feb 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP.
Feb 26, 2018	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Jun 29, 2018	Quit Claim Deed, Transfer Quitclaim
Jan 30, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 16, 2010 · Amount on Record
Deed Sale	Feb 16, 2010 · Amount on Record
Prior Sale	Mar 30, 2001 · Amount on Record
Deed Book / Page	29280 / 486
Last Transfer Date	Mar 21, 2023
Transfer Doc	041496-342
Record Updated	Oct 29, 2026

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	Mar 30, 2023
Property Address	12 CENTRAL WAY, ROWLEY, MA 01969-1001
Document Number	041496-342
Book / Page	41496 / 342
Instrument Date	Mar 21, 2023
Instrument	20230330000660
Transaction Type	Transfer
Record Updated	Apr 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 CENTRAL WAY, ROWLEY, MA 01969-1001

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	12 CENTRAL WAY, ROWLEY, MA 01969-1001
Transaction Type	Mortgage
Record Updated	Mar 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39553-438
Date	Feb 22, 2021
Book Page	39553/438
Instrument	20210222001920

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	12 CENTRAL WAY, ROWLEY, MA 01969-1001
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36549-483
Date	Feb 26, 2018
Book Page	36549/483
Instrument	180226000760

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	Jun 29, 2018
Property Address	12 CENTRAL WAY, ROWLEY, MA 01969-1001
Document Number	36833-89
Book / Page	036833 / 000089
Instrument Date	Jun 15, 2018
Instrument	1806299050
Transaction Type	Transfer
Record Updated	Jul 17, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	12 CENTRAL WAY ROWLEY MA 019691001, ROWLEY, MA 01969-1001

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	Jan 30, 2018
Property Address	12 CENTRAL WAY, ROWLEY, MA 01969-1001
Document Number	36502-102
Book / Page	036502 / 000102
Instrument Date	Jan 29, 2018
Instrument	1801303040
Transaction Type	Transfer
Record Updated	Feb 20, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12 CENTRAL WAY ROWLEY MA 019691001, ROWLEY, MA 01969-1001

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	$6,537.00 (+1.97%)	$540,700 (-0.73%) Land $253,000 Building $287,700	$631,887 (+15.46%)
2025	$6,411.00 (+4.02%)	$544,700 (+6.95%) Land $241,000 Building $303,700	$547,295
2024	$6,163.00 (+2.15%)	$509,300 (+9.91%) Land $229,500 Building $279,800
2023	$6,033.00	$463,400 Land $199,600 Building $263,800

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	Direct burnable vegetation

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

Cell Coverage

5G (outdoors only) and 4G LTE

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