20 Cindy Ln, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 20 Cindy Ln, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,632 sqft · built 2012
Lot Size	0.919 acres (40,050 sqft)
Owner	Company Name on Record
Last Sale	$195,000 (May 2012)
Tax Bill	$14,109 (2025)
Deeds & Mortgages	Nov 2021 Transfer Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0006 B:0010 L:0009-1`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0006 B:0010 L:0009-1`
Alternative APN	`M:0006 B:0010 L:0009=1`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,632 sqft Living Area
Gross Area	7,186 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,050 sqft (0.919 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	20 CINDY LN
City	ROWLEY
State	MA
Zip	01969-2346
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	ROWLEY MASS
Legal Block	10
Legal Lot Number	9-1
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	2
Census Block	2012
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	Company Name on Record
Mailing Address	20 CINDY LN, ROWLEY, MA 01969-2346
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2021	Quit Claim Deed, Transfer Quitclaim
Jan 15, 2019	Deed of Trust, Mortgage · Balloon Mortgage TD BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2012 · Amount on Record
Deed Sale	May 21, 2012 · Amount on Record
Deed Book / Page	31358 / 229
Last Transfer Date	Nov 6, 2021
Transfer Doc	40477-469
Record Updated	Sep 20, 2026

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	Nov 12, 2021
Property Address	20 CINDY LN, ROWLEY, MA 01969-2346
Document Number	40477-469
Book / Page	40477 / 469
Instrument Date	Nov 6, 2021
Instrument	20211112003740
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CINDY LN, ROWLEY, MA 01969-2346

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	20 CINDY LN, ROWLEY, MA 01969-2346
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37273-400
Date	Jan 15, 2019
Book Page	37273/400
Instrument	20190115000370

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

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	$14,109.00 (+1.82%)	$1,198,700 (+4.67%) Land $336,100 Building $862,600	$1,023,530
2024	$13,857.00 (+1.19%)	$1,145,200 (+8.88%) Land $320,200 Building $825,000
2023	$13,694.00	$1,051,800 Land $278,500 Building $773,300

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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	None beyond ember reach

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 59 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 and 4G LTE (outdoors only)

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