15 Oak Ledge Cir, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 15 Oak Ledge Cir, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,754 sqft · built 2011
Lot Size	0.705 acres (30,710 sqft)
Owner	Individual Name on Record
Last Sale	$580,955 (Jan 2012)
Tax Bill	$12,416 (2026)
Deeds & Mortgages	Jul 2020 Refinance Dec 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0023 B:0019 L:0024`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0023 B:0019 L:0024`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	2,754 sqft Living Area
Gross Area	6,282 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,710 sqft (0.705 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	15 OAK LEDGE CIR
City	ROWLEY
State	MA
Zip	01969-1752
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OUT
Legal Subdivision	WILD PASTURE ESTATES
Legal Block	19
Legal Lot Number	24
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	3
Census Block	3000
Census Tract	270100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	15 OAK LEDGE CIR, ROWLEY, MA 01969-1752
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK OF RHODE ISLAND
Dec 3, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 13, 2012 · Amount on Record
Deed Sale	Jan 13, 2012 · Amount on Record
Prior Sale	Sep 16, 2011
Deed Book / Page	31007 / 315
Transfer Doc	031007-315
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	15 OAK LEDGE CIR, ROWLEY, MA 01969-1752
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38698-275
Date	Jul 10, 2020
Book Page	38698/275
Instrument	20200710002130

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	15 OAK LEDGE CIR, ROWLEY, MA 01969-1752
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39251-409
Date	Dec 3, 2020
Book Page	39251/409
Instrument	20201203000860

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jan 1, 2046

Interest

Rate Type	Adjustable Rate

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	$12,416.00 (+5.36%)	$1,027,000 (+2.58%) Land $412,600 Building $614,400	$1,045,793 (-1%)
2025	$11,784.00 (+1.86%)	$1,001,200 (+4.72%) Land $365,800 Building $635,400	$1,056,400
2024	$11,569.00 (+1.95%)	$956,100 (+9.69%) Land $348,400 Building $607,700
2023	$11,348.00	$871,600 Land $302,900 Building $568,700

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	None beyond ember reach

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 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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