Essex County and Rowley Town property record for 190 Main St, Rowley, MA 01969
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,016 sqft · built 2015 |
| Lot Size | 1.56 acres (68,333 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $499,000 (May 2016) |
| Tax Bill | $10,218 (2026) |
| Deeds & Mortgages | Mar 2023 Refinance Oct 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ROWL M:0024 B:0137 L:0002 |
| Primary APN | ROWL M:0024 B:0137 L:0002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 3 Stories |
| Building Area | 2,016 sqft Living Area |
| Gross Area | 5,372 sqft |
| Basement Area | 1,008 sqft |
| Unfinished Basement | 1,008 sqft |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 68,333 sqft (1.56 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 190 MAIN ST |
|---|---|
| City | ROWLEY |
| State | MA |
| Zip | 01969-1515 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CEN |
| Legal Block | 137 |
| Legal Lot Number | 2 |
| Jurisdiction | ROWLEY MA |
| Township / Civil Division | ROWLEY |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 270100 |
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 | 190 MAIN ST, ROWLEY, MA 01969-1515 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 24, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE |
| Oct 21, 2025 | Deed of Trust, Mortgage FIRST COLONY MTG CORP |
| Apr 30, 2025 | Deed of Trust, Mortgage · Line of Credit ALIGN CREDIT UNION |
| Sep 11, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance FIRST COLONY MTG CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 12, 2016 · Amount on Record |
| Deed Sale | May 12, 2016 · Amount on Record |
| Prior Sale | Aug 26, 2015 · Amount on Record |
| Deed Book / Page | 34916 / 394 |
| Transfer Doc | 034916-394 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 190 MAIN ST, ROWLEY, MA 01969-1515 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 041489-469 |
|---|---|
| Date | Mar 24, 2023 |
| Book Page | 41489/469 |
| Instrument | 20230324002090 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 190 MAIN ST, ROWLEY, MA 01969-1515 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 043018-279 |
|---|---|
| Date | Oct 21, 2025 |
| Book Page | 43018/279 |
| Instrument | 20251021001440 |
| Name | FIRST COLONY MTG CORP |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 190 MAIN ST, ROWLEY, MA 01969-1515 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 042690-196 |
|---|---|
| Date | Apr 30, 2025 |
| Book Page | 42690/196 |
| Instrument | 20250430002900 |
| Name | ALIGN CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 190 MAIN ST, ROWLEY, MA 01969-1515 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 042319-456 |
|---|---|
| Date | Sep 11, 2024 |
| Book Page | 42319/456 |
| Instrument | 20240911001400 |
| Name | FIRST COLONY MTG CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2054 |
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 | $10,218.00 (+4.53%) | $845,200 (+1.77%) Land $309,600 Building $535,600 | $888,814 (+19.73%) |
| 2025 | $9,775.00 (+1.15%) | $830,500 (+3.98%) Land $294,900 Building $535,600 | $742,330 |
| 2024 | $9,664.00 (+1.2%) | $798,700 (+8.9%) Land $280,900 Building $517,800 | |
| 2023 | $9,549.00 | $733,400 Land $242,900 Building $490,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 53 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures