15 Clay Ln, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 15 Clay Ln, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,112 sqft · built 2000
Lot Size	22.9 acres (997,847 sqft)
Owner	Trust Name on File
Last Sale	$870,000 (Jun 2021)
Tax Bill	$13,187 (2026)
Deeds & Mortgages	Jul 2022 Transfer Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0020 B:0003 L:00432`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0020 B:0003 L:00432`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,112 sqft Living Area
Gross Area	5,058 sqft
Basement Area	748 sqft
Unfinished Basement	748 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	997,847 sqft (22.9 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	15 CLAY LN
City	ROWLEY
State	MA
Zip	01969-1632
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OUT
Legal Subdivision	WELDON FARM ROAD ROWLEY
Legal Block	3
Legal Lot Number	432
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	1
Census Block	1058
Census Tract	270100

Owner

15 Clay Ln is owner-occupied and held in a trust since July 2022.

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

Owner of Record	Trust Name on File
Mailing Address	15 CLAY LN, ROWLEY, MA 01969-1632
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2022	Quit Claim Deed, Transfer Quitclaim
Jun 2, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA
Jan 30, 2017	Deed of Trust, Mortgage SALEM FIVE MTG CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2021 · Amount on File
Deed Sale	Jun 2, 2021 · Amount on File
Prior Sale	Feb 6, 2001 · Amount on File
Deed Book / Page	39941 / 414
Last Transfer Date	Jul 15, 2022
Transfer Doc	041070-561
Record Updated	Oct 29, 2026

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	Jul 18, 2022
Property Address	15 CLAY LN, ROWLEY, MA 01969-1632
Document Number	041070-561
Book / Page	41070 / 561
Instrument Date	Jul 15, 2022
Instrument	20220718000160
Transaction Type	Transfer
Record Updated	Aug 5, 2022

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	15 CLAY LN, ROWLEY, MA 01969-1632

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	Jun 2, 2021
Property Address	15 CLAY LN, ROWLEY, MA 01969-1632
Document Number	039941-414
Book / Page	39941 / 414
Instrument Date	Jun 2, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	15 CLAY LN, ROWLEY, MA 01969-1632
Investor	Possibly a Property Investor

Mortgage

Document Number	0039941416
Date	Jun 2, 2021
Instrument	39941/416

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	15 CLAY LN, ROWLEY, MA 01969-1632
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35644-327
Date	Jan 30, 2017
Book Page	35644/327
Instrument	4

Lender

Name	SALEM FIVE MTG CO

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 15 Clay Ln was $13,187, up 14.9% from the year before.

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	$13,187.00 (+14.89%)	$1,090,700 (+11.84%) Land $489,500 Building $601,200	$1,256,024 (+25.92%)
2025	$11,478.00 (+4.61%)	$975,200 (+7.54%) Land $360,400 Building $614,800	$997,500
2024	$10,972.00 (+2.33%)	$906,800 (+10.12%) Land $343,300 Building $563,500
2023	$10,722.00	$823,500 Land $295,300 Building $528,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 15 Clay Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.

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

Wildfire risk around 15 Clay Ln 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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