Essex County and Rowley Town property record for 144 Main St, Rowley, MA 01969
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,466 sqft · built 1870 |
| Lot Size | 0.413 acres (18,000 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $9,406 (2026) |
| Deeds & Mortgages | Sep 2022 Line of Credit Nov 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ROWL M:0025 B:0028 L:0000 |
| Primary APN | ROWL M:0025 B:0028 L:0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 3 Stories |
| Building Area | 2,466 sqft Living Area |
| Gross Area | 4,889 sqft |
| Basement Area | 1,104 sqft |
| Unfinished Basement | 1,104 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,000 sqft (0.413 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 144 MAIN ST |
|---|---|
| City | ROWLEY |
| State | MA |
| Zip | 01969-1817 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CEN |
| Legal Block | 28 |
| Jurisdiction | ROWLEY MA |
| Township / Civil Division | ROWLEY |
| Census Block Group | 1 |
| Census Block | 1056 |
| Census Tract | 270100 |
144 Main St is owner-occupied and held in a trust since July 2018.
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 | Trust Name on File |
|---|---|
| Mailing Address | 144 MAIN ST, ROWLEY, MA 01969-1817 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Sep 12, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Nov 29, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Aug 25, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance HOME LOAN AND INVESTMENT BANK FSB |
| Jun 4, 2018 | Deed of Trust, Mortgage · Closed-End Mortgage SANTANDER BANK NA |
| Jul 12, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 12, 2018 |
| Deed Sale | Jul 12, 2018 |
| Prior Sale | Sep 13, 2013 · Amount on File |
| Deed Book / Page | 36857 / 113 |
| Transfer Doc | 032818-438 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 144 MAIN ST, ROWLEY, MA 01969-1817 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 041182-162 |
|---|---|
| Date | Sep 12, 2022 |
| Book Page | 41182/162 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Oct 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 144 MAIN ST, ROWLEY, MA 01969-1817 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 041323-382 |
|---|---|
| Date | Nov 29, 2022 |
| Book Page | 41323/382 |
| Instrument | 20221129001200 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Dec 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 144 MAIN ST, ROWLEY, MA 01969-1817 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38861-70 |
|---|---|
| Date | Aug 25, 2020 |
| Book Page | 38861/70 |
| Instrument | 20200825005230 |
| Name | HOME LOAN AND INVESTMENT BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 144 MAIN ST, ROWLEY, MA 01969-1817 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 36763-267 |
|---|---|
| Date | Jun 4, 2018 |
| Book Page | 36763/267 |
| Instrument | 180604004100 |
| Name | SANTANDER BANK NA |
|---|
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ROWLEY MA |
| Recording Date | Jul 12, 2018 |
| Property Address | 144 MAIN ST, ROWLEY, MA 01969-1817 |
| Document Number | 36857-113 |
| Book / Page | 036857 / 000113 |
| Instrument Date | May 12, 2018 |
| Instrument | 1807122640 |
| Transaction Type | Transfer |
| Record Updated | Jul 31, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 144 MAIN ST ROWLEY MA 019691817, ROWLEY, MA 01969-1817 |
The 2026 property tax bill for 144 Main St was $9,406, up 8% 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 | $9,406.00 (+7.97%) | $778,000 (+5.11%) Land $278,900 Building $499,100 | $864,635 (+10.57%) |
| 2025 | $8,712.00 (+3.5%) | $740,200 (+6.41%) Land $265,600 Building $474,600 | $781,945 |
| 2024 | $8,417.00 (+6.17%) | $695,600 (+14.24%) Land $252,900 Building $442,700 | |
| 2023 | $7,928.00 | $608,900 Land $220,000 Building $388,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 144 Main St in Zone X, an area of minimal flood risk, within 100 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 100 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 144 Main 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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