Essex County and Rowley Town property record for 12 Cross St, Rowley, MA 01969
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,616 sqft · built 1961 |
| Lot Size | 1.01 acres (44,356 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,000 (Feb 1996) |
| Tax Bill | $7,730 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | ROWL M:0024 B:0042 L:0000 |
| Primary APN | ROWL M:0024 B:0042 L:0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,616 sqft Living Area |
| Gross Area | 2,938 sqft |
| Basement Area | 1,141 sqft |
| Unfinished Basement | 1,141 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 44,356 sqft (1.01 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 12 CROSS ST |
|---|---|
| City | ROWLEY |
| State | MA |
| Zip | 01969-1406 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OUT |
| Legal Block | 42 |
| Jurisdiction | ROWLEY MA |
| Township / Civil Division | ROWLEY |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 270100 |
12 Cross St is owned and occupied by an individual who bought it in February 1996.
Source: Essex County and Rowley Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12 CROSS ST, ROWLEY, MA 01969-1406 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 | Feb 23, 1996 · Amount on File |
| Deed Sale | Feb 23, 1996 · Amount on File |
| Deed Book / Page | 13419 / 170 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 12 Cross St was $7,730, up 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 | $7,730.00 (+5.04%) | $639,400 (+2.27%) Land $299,200 Building $340,200 | $642,143 (+6.85%) |
| 2025 | $7,359.00 (+8.32%) | $625,200 (+11.34%) Land $285,000 Building $340,200 | $600,970 |
| 2024 | $6,794.00 (+1.87%) | $561,500 (+9.63%) Land $271,500 Building $290,000 | |
| 2023 | $6,669.00 | $512,200 Land $236,100 Building $276,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Cross 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 12 Cross 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 58 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
5G (outdoors only) and 4G LTE
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