182 Cross St, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 182 Cross St, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,237 sqft · built 1988
Lot Size	1.27 acres (55,306 sqft)
Owner	Individual Name on Record
Last Sale	$525,000 (Sep 2018)
Tax Bill	$9,358 (2026)
Deeds & Mortgages	May 2021 Refinance Nov 2019 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0027 B:0021 L:0006`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0027 B:0021 L:0006`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,237 sqft Living Area
Gross Area	5,476 sqft
Basement Area	1,272 sqft
Unfinished Basement	1,272 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Contemporary
Exterior Material	Wood Siding
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	55,306 sqft (1.27 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	182 CROSS ST
City	ROWLEY
State	MA
Zip	01969-1008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CCD
Legal Subdivision	HALEY FARMS TRUST
Legal Block	21
Legal Lot Number	6
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	1
Census Block	1027
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	182 CROSS ST, ROWLEY, MA 01969-1008
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP
Nov 18, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP.
May 26, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HOMEBRIDGE FINANCIAL SERVICES INC
Sep 27, 2018	Quit Claim Deed, Transfer UNITED WHOLESALE MORTGAGE
Oct 4, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2018 · Amount on Record
Deed Sale	Sep 27, 2018 · Amount on Record
Prior Sale	Sep 2, 1998 · Amount on Record
Deed Book / Page	37042 / 471
Transfer Doc	037042-471
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	182 CROSS ST, ROWLEY, MA 01969-1008
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039849-156
Date	May 6, 2021
Book Page	39849/156
Instrument	20210506004190

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	182 CROSS ST, ROWLEY, MA 01969-1008
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38037-34
Date	Nov 18, 2019
Book Page	38037/34
Instrument	20191118004010

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	182 CROSS ST, ROWLEY, MA 01969-1008
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38547-600
Date	May 26, 2020
Book Page	38547/600
Instrument	20200526003230

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

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

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	Sep 27, 2018
Property Address	182 CROSS ST, ROWLEY, MA 01969-1008
Document Number	37042-471
Book / Page	37042 / 471
Instrument	180927002130
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$66.65
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	370420473
Date	Sep 27, 2018
Instrument	37042/0473

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2048

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	Oct 4, 2017
Property Address	182 CROSS ST, ROWLEY, MA 01969-1008
Document Number	36227-84
Book / Page	036227 / 000084
Instrument Date	Aug 30, 2017
Instrument	1710040035
Transaction Type	Transfer
Record Updated	Oct 24, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	182 CROSS ST ROWLEY MA 019691008, ROWLEY, MA 01969-1008

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	$9,358.00 (+2.28%)	$774,000 (-0.42%) Land $312,400 Building $461,600	$856,138 (+16.9%)
2025	$9,149.00 (-0.26%)	$777,300 (+2.53%) Land $297,600 Building $479,700	$732,355
2024	$9,173.00 (+3.78%)	$758,100 (+11.67%) Land $283,500 Building $474,600
2023	$8,839.00	$678,900 Land $246,400 Building $432,500

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	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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cross St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures