228 Zoar Rd, Rowe, MA 01367 Property Records

Franklin County and Rowe Town property record for 228 Zoar Rd, Rowe, MA 01367

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,558 sqft · built 1802
Lot Size	4.9 acres (213,444 sqft)
Owner	2 Individual Names on File
Last Sale	$480,000 (Aug 2024)
Tax Bill	$19 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Mar 2021 Sale
APN	`ROWE M:0205 B:0000 L:0017`

Property Details

APN / Parcel Number

Primary APN	`ROWE M:0205 B:0000 L:0017`
Alternative APN	`M:0003 B:0000 L:0060`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,558 sqft Living Area
Gross Area	4,375 sqft
Basement Area	211 sqft
Unfinished Basement	211 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1802
Effective Year Built	Effective 1802
Architectural Style	Historical
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	213,444 sqft (4.9 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	228 ZOAR RD
City	ROWE
State	MA
Zip	01367-9774
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	17
Jurisdiction	ROWE MA
Township / Civil Division	ROWE
Census Block Group	1
Census Block	1071
Census Tract	40100

Owner

Source: Franklin County and Rowe Town assessment roll, as of April 14, 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 File
Mailing Address	228 ZOAR RD, ROWE, MA 01367-9774
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Mar 19, 2021	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 14, 2024 · Amount on Record
Deed Sale	Aug 14, 2024 · Amount on Record
Prior Sale	Mar 19, 2021 · Amount on Record
Deed Document Number	20247405
Deed Book / Page	8359 / 1
Transfer Doc	5179-114
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWE MA
Recording Date	Apr 8, 2026
Property Address	228 ZOAR RD, ROWE, MA 01367-9774
Document Number	008623-230
Book / Page	8623 / 230
Instrument Date	Mar 27, 2026
Instrument	20262703
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 ZOAR RD, ROWE, MA 01367-9774

Mortgage

Document Number	0000002703,
Date	Apr 8, 2026
Book Page	8623/230
Instrument	20262703

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	5.98%
Initial Type	Adjustable Rate
Max Rate	-1%

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWE MA
Recording Date	Mar 19, 2021
Property Address	228 ZOAR RD, ROWE, MA 01367-9774
Document Number	7727-317
Book / Page	7727 / 317
Instrument Date	Mar 4, 2021
Instrument	3289
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 GORE ST APT B1, B1, CAMBRIDGE, MA 02141-1234

Tax Assessment & Valuation

Source: Franklin County and Rowe Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Franklin County
County Subdivision	Rowe Town
Elementary School District	Rowe School District (PK - 06)
Secondary School District	Mohawk Trail School District in Rowe (7-12) (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$19.00 (-98.95%)	$379,100 (+4.98%) Land $60,400 Building $318,700	$446,310
2024	$1,809.00 (-1.84%)	$361,100 (+1.49%) Land $57,600 Building $303,500
2023	$1,843.00	$355,800 Land $52,300 Building $303,500

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	6 in force
Nearby Flood Claims	3 (2006–2011)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Aug 2011 · Tropical Storm Irene
Claims by Event	Tropical Storm Irene, Aug 2011 · 2 claims

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

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Westfield Gas & Electric Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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