25 Summer St, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 25 Summer St, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,686 sqft · built 1815
Lot Size	0.102 acres (4,422 sqft)
Owner	2 Individual Names on File
Last Sale	$625,000 (Jul 2025)
Tax Bill	$6,857 (2026)
Deeds & Mortgages	Jul 2025 Sale & Refinance
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0025 B:0020 L:0000`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0025 B:0020 L:0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	1,686 sqft Living Area
Gross Area	3,220 sqft
Basement Area	646 sqft
Unfinished Basement	646 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1815
Effective Year Built	Effective 1815
Architectural Style	Historical
Exterior Material	Wood Siding
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,422 sqft (0.102 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	25 SUMMER ST
City	ROWLEY
State	MA
Zip	01969-1814
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CEN
Legal Block	20
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	1
Census Block	1056
Census Tract	270100

Owner

25 Summer St is owned and occupied by two individuals who bought it in July 2025.

Source: Essex County and Rowley Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	25 SUMMER ST, ROWLEY, MA 01969-1814
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2025 · Amount on File
Deed Sale	Jul 7, 2025 · Amount on File
Deed Document Number	20251550
Deed Book / Page	42816 / 330
Record Updated	Oct 29, 2026

July 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	Jul 7, 2025
Property Address	25 SUMMER ST, ROWLEY, MA 01969-1814
Document Number	042816-330
Book / Page	42816 / 330
Instrument Date	Jul 7, 2025
Instrument	20250707001550
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Relationship	Tenants by the Entirety
Address	25 SUMMER ST, ROWLEY, MA 01969-1814

Mortgage

Document Number	20250707001560
Date	Jul 7, 2025
Instrument	20250707001560

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

Tax Assessment & Valuation

The 2026 property tax bill for 25 Summer St was $6,857, up 23% from the year before.

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
2026	$6,857.00 (+23.04%)	$567,200 (+19.79%) Land $200,500 Building $366,700	$586,626 (-0.11%)
2025	$5,573.00 (+0.78%)	$473,500 (+3.61%) Land $191,000 Building $282,500	$587,290
2024	$5,530.00 (+3.56%)	$457,000 (+11.44%) Land $181,900 Building $275,100
2023	$5,340.00	$410,100 Land $158,200 Building $251,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 25 Summer St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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.

Wildfire

Wildfire risk around 25 Summer St 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	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 118 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20