194 Cross St, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 194 Cross St, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,570 sqft · built 1988
Lot Size	1.93 acres (84,394 sqft)
Owner	Trust Name on Record
Last Sale	$185,000 (Oct 1991)
Tax Bill	$10,067 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Jan 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0027 B:0021 L:0011`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0027 B:0021 L:0011`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,570 sqft Living Area
Gross Area	5,476 sqft
Basement Area	1,265 sqft
Unfinished Basement	1,265 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	84,394 sqft (1.93 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	194 CROSS ST
City	ROWLEY
State	MA
Zip	01969-1008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	21
Legal Lot Number	11
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 July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Trust Name on Record
Mailing Address	194 CROSS ST, ROWLEY, MA 01969-1008
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2018	Deed of Trust, Mortgage INST SVGS NEWBURYPORT
Jan 22, 2018	Deed of Trust, Mortgage · Closed-End Mortgage INST SVGS NEWBURYPORT
Oct 3, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 1991 · Amount on Record
Deed Sale	Oct 31, 1991 · Amount on Record
Deed Book / Page	11000 / 441
Last Transfer Date	Sep 25, 2019
Transfer Doc	37902-254
Record Updated	Sep 20, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	194 CROSS ST, ROWLEY, MA 01969-1008
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36484-331
Date	Jan 22, 2018
Book Page	36484/331
Instrument	180122003450

Lender

Name	INST SVGS NEWBURYPORT
Type	Bank

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2033

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	194 CROSS ST, ROWLEY, MA 01969-1008
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36484-348
Date	Jan 22, 2018
Book Page	36484/348
Instrument	180122003460

Lender

Name	INST SVGS NEWBURYPORT
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	Oct 3, 2019
Property Address	194 CROSS ST, ROWLEY, MA 01969-1008
Document Number	37902-254
Book / Page	037902 / 000254
Instrument Date	Sep 25, 2019
Instrument	1003000910
Transaction Type	Transfer
Record Updated	Oct 22, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 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
2025	$10,067.00 (+9.52%)	$855,300 (+12.58%) Land $310,100 Building $545,200	$782,040
2024	$9,192.00 (-0.42%)	$759,700 (+7.15%) Land $295,300 Building $464,400
2023	$9,231.00	$709,000 Land $255,800 Building $453,200

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

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