Essex County and Rowley Town property record for 20 Railroad Ave, Rowley, MA 01969
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,496 sqft · built 1890 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | Individual Name on File |
| Last Sale | $325,000 (Jun 2013) |
| Tax Bill | $6,668 (2026) |
| Deeds & Mortgages | May 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | ROWL M:0027 B:0065 L:0000 |
| Primary APN | ROWL M:0027 B:0065 L:0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,496 sqft Living Area |
| Gross Area | 2,678 sqft |
| Basement Area | 1,028 sqft |
| Unfinished Basement | 1,028 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,117 sqft (0.37 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 20 RAILROAD AVE |
|---|---|
| City | ROWLEY |
| State | MA |
| Zip | 01969-1201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OUT |
| Legal Block | 65 |
| Jurisdiction | ROWLEY MA |
| Township / Civil Division | ROWLEY |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 270100 |
20 Railroad Ave is owned and occupied by an individual who bought it in June 2013.
Source: Essex County and Rowley Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 20 RAILROAD AVE, ROWLEY, MA 01969-1201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 28, 2013 · Amount on File |
| Deed Sale | Jun 28, 2013 · Amount on File |
| Prior Sale | Sep 26, 2002 · Amount on File |
| Deed Book / Page | 32610 / 312 |
| Transfer Doc | 032610-312 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 20 RAILROAD AVE, ROWLEY, MA 01969-1201 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 039921-580 |
|---|---|
| Date | May 27, 2021 |
| Book Page | 39921/580 |
| Instrument | 20210527000560 |
| Name | AMERISAVE MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
The 2026 property tax bill for 20 Railroad Ave was $6,668, up 7.9% from the year before.
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 | $6,668.00 (+7.95%) | $551,500 (+5.09%) Land $259,000 Building $292,500 | $617,890 (+13.11%) |
| 2025 | $6,177.00 (+3.28%) | $524,800 (+6.17%) Land $246,700 Building $278,100 | $546,250 |
| 2024 | $5,981.00 (+6.37%) | $494,300 (+14.45%) Land $235,000 Building $259,300 | |
| 2023 | $5,623.00 | $431,900 Land $204,400 Building $227,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Railroad Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.
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 risk around 20 Railroad Ave is low, with a 0.01% annual chance of 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.
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 99 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
5G (outdoors only) and 4G LTE
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