187 Central St, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 187 Central St, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,448 sqft
Lot Size	1.49 acres (65,227 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (May 2017)
Tax Bill	$9,527 (2026)
Deeds & Mortgages	Sep 2020 Refinance Sep 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0028 B:0048 L:0000`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0028 B:0048 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	2,448 sqft Living Area
Gross Area	4,850 sqft
Basement Area	930 sqft
Unfinished Basement	930 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Historical
Exterior Material	Wood Siding
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	65,227 sqft (1.49 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	187 CENTRAL ST
City	ROWLEY
State	MA
Zip	01969-1322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OUT
Legal Block	48
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	Individual Name on Record
Mailing Address	187 CENTRAL ST, ROWLEY, MA 01969-1322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK
Sep 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK
May 31, 2017	Quit Claim Deed, Transfer MOUNTAINONE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2017 · Amount on Record
Deed Sale	May 31, 2017 · Amount on Record
Deed Book / Page	35903 / 178
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	187 CENTRAL ST, ROWLEY, MA 01969-1322
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38950-508
Date	Sep 18, 2020
Book Page	38950/508
Instrument	20200918001560

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2040

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	187 CENTRAL ST, ROWLEY, MA 01969-1322
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37888-79
Date	Sep 30, 2019
Book Page	37888/79
Instrument	20190930003190

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

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

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	May 31, 2017
Property Address	187 CENTRAL ST, ROWLEY, MA 01969-1322
Document Number	35903-178
Book / Page	35903 / 178
Instrument	187
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$62.15
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	187 CENTRAL ST, ROWLEY, MA 01969-1322

Mortgage

Document Number	359030180
Date	May 31, 2017
Instrument	35903/0180

Lender

Name	MOUNTAINONE BK

Agreement

Amount	Amount Recorded
Term	361 Months
Due	May 31, 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	$9,527.00 (+10.97%)	$788,000 (+8.03%) Land $319,600 Building $468,400	$809,178 (+11.46%)
2025	$8,585.00 (+0.79%)	$729,400 (+3.61%) Land $304,500 Building $424,900	$725,990
2024	$8,518.00 (+6.49%)	$704,000 (+14.58%) Land $290,000 Building $414,000
2023	$7,999.00	$614,400 Land $251,900 Building $362,500

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	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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