18 Central Way, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 18 Central Way, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,137 sqft · built 1964
Lot Size	1.11 acres (48,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$685,000 (May 2024)
Tax Bill	$6,865 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Mar 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0028 B:0041 L:0000`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0028 B:0041 L:0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,137 sqft Living Area
Gross Area	2,883 sqft
Basement Area	1,162 sqft
Unfinished Basement	1,162 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Split Level
Exterior Material	Wood Siding
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	48,712 sqft (1.11 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	18 CENTRAL WAY
City	ROWLEY
State	MA
Zip	01969-1001
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OUT
Legal Subdivision	ROBERT H GOUTHRO
Legal Block	41
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	1
Census Block	1036
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	2 Individual Names on Record
Mailing Address	26 CARLTON ST, PEABODY, MA 01960-5216
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 31, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 1, 2020	Deed of Trust, Mortgage · FHA Mortgage RESIDENTIAL MORTGAGE SERVICES
Feb 17, 2017	Quit Claim Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2024 · Amount on Record
Deed Sale	May 23, 2024 · Amount on Record
Prior Sale	Feb 17, 2017 · Amount on Record
Deed Book / Page	42130 / 471
Prior Transfer Date	May 22, 2024
Prior Transfer Doc	042130-471
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	18 CENTRAL WAY, ROWLEY, MA 01969-1001
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	043162-444
Date	Jan 5, 2026
Book Page	43162/444
Instrument	20260105000270

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	18 CENTRAL WAY, ROWLEY, MA 01969-1001
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042637-379
Date	Mar 31, 2025
Book Page	42637/379
Instrument	20250331000130

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	18 CENTRAL WAY, ROWLEY, MA 01969-1001
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39243-414
Date	Dec 1, 2020
Book Page	39243/414
Instrument	20201201004180

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	Feb 17, 2017
Property Address	18 CENTRAL WAY, ROWLEY, MA 01969-1001
Document Number	35687-364
Book / Page	035687 / 000364
Instrument Date	Feb 17, 2017
Instrument	1702170246
Transaction Type	Transfer
Record Updated	Mar 7, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,723.68
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	18 CENTRAL WAY ROWLEY MA 019691001, ROWLEY, MA 01969-1001

Mortgage

Document Number	35687-366
Date	Feb 17, 2017
Book Page	035687/000366
Instrument	1702170247

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 16, 2047

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	$6,865.00 (+7.28%)	$567,800 (+4.43%) Land $304,500 Building $263,300	$627,764 (-0.84%)
2025	$6,399.00 (+2.37%)	$543,700 (+5.25%) Land $290,000 Building $253,700	$633,080
2024	$6,251.00 (+5.86%)	$516,600 (+13.91%) Land $276,300 Building $240,300
2023	$5,905.00	$453,500 Land $240,200 Building $213,300

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 · 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

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 79 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

Cell Coverage

5G (outdoors only) and 4G LTE

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