Essex County and Rowley Town property record for 15 Summer St, Rowley, MA 01969
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,824 sqft · built 1750 |
| Lot Size | 0.328 acres (14,285 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $168,895 (Nov 2015) |
| Tax Bill | $8,216 (2026) |
| Deeds & Mortgages | Dec 2021 Refinance Sep 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | ROWL M:0025 B:0023 L:0000 |
| Primary APN | ROWL M:0025 B:0023 L:0000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 12 Rooms |
| Stories | 3 Stories |
| Building Area | 2,824 sqft Living Area |
| Gross Area | 5,169 sqft |
| Basement Area | 882 sqft |
| Unfinished Basement | 882 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1750 |
|---|---|
| Effective Year Built | Effective 1750 |
| Architectural Style | Historical |
| Exterior Material | Wood Siding |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,285 sqft (0.328 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 15 SUMMER ST |
|---|---|
| City | ROWLEY |
| State | MA |
| Zip | 01969-1814 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CEN |
| Legal Block | 23 |
| Jurisdiction | ROWLEY MA |
| Township / Civil Division | ROWLEY |
| Census Block Group | 1 |
| Census Block | 1056 |
| Census Tract | 270100 |
15 Summer St is owned by two individuals who bought it in November 2015.
Source: Essex County and Rowley Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 175, ROWLEY, MA 01969-0375 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 27, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE |
| Sep 14, 2018 | Deed of Trust, Mortgage · Line of Credit ST JEANS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 18, 2015 · Amount on File |
| Deed Sale | Nov 18, 2015 · Amount on File |
| Prior Sale | Jul 10, 2003 · Amount on File |
| Deed Book / Page | 34527 / 508 |
| Transfer Doc | 35098-47 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 15 SUMMER ST, ROWLEY, MA 01969-1814 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 040611-103 |
|---|---|
| Date | Dec 27, 2021 |
| Book Page | 40611/103 |
| Instrument | 20211227003860 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 15 SUMMER ST, ROWLEY, MA 01969-1814 |
| Document Number | 37012-52 |
| Instrument Date | Sep 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2018 |
| Name | Verified Name |
|---|---|
| Address | 15 SUMMER ST ROWLEY MA 019691814, ROWLEY, MA 01969-1814 |
| Document Number | 37012-52 |
|---|---|
| Date | Sep 14, 2018 |
| Book Page | 037012/000052 |
| Instrument | 1809141160 |
| Name | ST JEANS CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 15 Summer St was $8,216, up 11% 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 | $8,216.00 (+10.98%) | $679,600 (+8.04%) Land $265,400 Building $414,200 | $751,996 (-3.3%) |
| 2025 | $7,403.00 (+0.71%) | $629,000 (+3.54%) Land $252,700 Building $376,300 | $777,670 |
| 2024 | $7,351.00 (+4.88%) | $607,500 (+12.86%) Land $240,700 Building $366,800 | |
| 2023 | $7,009.00 | $538,300 Land $209,400 Building $328,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15 Summer 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 15 Summer 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 118 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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