17 Clay Ln, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 17 Clay Ln, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,811 sqft · built 1999
Lot Size	2.2 acres (96,155 sqft)
Owner	Individual Name on File
Last Sale	$1,050,000 (Feb 2025)
Tax Bill	$13,218 (2026)
Deeds & Mortgages	Nov 2022 Mortgage Feb 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0020 B:0003 L:0043-1`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0020 B:0003 L:0043-1`
Alternative APN	`M:0020 B:0003 L:0043=1`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,811 sqft Living Area
Gross Area	6,461 sqft
Basement Area	1,426 sqft
Unfinished Basement	1,426 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	96,155 sqft (2.2 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	17 CLAY LN
City	ROWLEY
State	MA
Zip	01969-1632
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OUT
Legal Block	3
Legal Lot Number	43-1
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	1
Census Block	1058
Census Tract	270100

Owner

17 Clay Ln is owned and occupied by an individual who bought it in February 2025.

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

Owner of Record	Individual Name on File
Mailing Address	17 CLAY LN, ROWLEY, MA 01969-1632
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2022	Deed of Trust, Mortgage · ARM NORTH SHORE BANK
Feb 14, 2025	Quit Claim Deed, Transfer · ARM BAYCOAST MORTGAGE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 14, 2025 · Amount on File
Deed Sale	Feb 14, 2025 · Amount on File
Prior Sale	Dec 28, 2001 · Amount on File
Deed Book / Page	42576 / 2
Prior Transfer Date	Feb 12, 2025
Prior Transfer Doc	00042576-2
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	17 CLAY LN, ROWLEY, MA 01969-1632
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041299-416
Date	Nov 14, 2022
Book Page	41299/416
Instrument	20221114002080

Lender

Name	NORTH SHORE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Type Change Date	Dec 1, 2027
Index	1-Year CMT

February 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	Feb 14, 2025
Property Address	17 CLAY LN, ROWLEY, MA 01969-1632
Document Number	00042576-2
Book / Page	42576 / 2
Instrument Date	Feb 12, 2025
Transaction Type	Transfer
Record Updated	Mar 13, 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	Joint Tenants
Address	17 CLAY LN, ROWLEY, MA 01969-1632

Mortgage

Document Number	0000425765
Date	Feb 14, 2025
Instrument	42576/5

Lender

Name	BAYCOAST MORTGAGE COMPANY

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	Mar 1, 2030

Tax Assessment & Valuation

The 2026 property tax bill for 17 Clay Ln was $13,218, up 7.8% 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	$13,218.00 (+7.81%)	$1,093,300 (+4.95%) Land $472,100 Building $621,200	$1,206,371 (+22.41%)
2025	$12,261.00 (+0.26%)	$1,041,700 (+3.07%) Land $343,800 Building $697,900	$985,530
2024	$12,229.00 (+1.6%)	$1,010,700 (+9.32%) Land $327,500 Building $683,200
2023	$12,037.00	$924,500 Land $283,400 Building $641,100

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

Flood

FEMA maps place 17 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 17 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.

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 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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