261 Central St, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 261 Central St, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,303 sqft · built 1923
Lot Size	1.09 acres (47,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$677,000 (May 2026)
Tax Bill	$6,698 (2026)
Deeds & Mortgages	Aug 2026 Mortgage May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0028 B:0010 L:0000`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0028 B:0010 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,303 sqft Living Area
Gross Area	2,626 sqft
Basement Area	1,303 sqft
Unfinished Basement	1,303 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Ranch
Exterior Material	Wood Siding
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	47,841 sqft (1.09 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	261 CENTRAL ST
City	ROWLEY
State	MA
Zip	01969-1311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OUT
Legal Block	10
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	1
Census Block	1033
Census Tract	270100

Owner

Source: Essex County and Rowley Town records, as of October 20, 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 Record
Mailing Address	261 CENTRAL ST, ROWLEY, MA 01969-1311
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage TOTAL MORTGAGE SERVICES
May 1, 2026	Quit Claim Deed, Transfer · Stand-Alone First Mortgage

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2026 · Amount on Record
Deed Sale	May 1, 2026 · Amount on Record
Prior Sale	Nov 14, 2002 · Amount on Record
Deed Document Number	20262960
Deed Book / Page	43362 / 411
Prior Transfer Date	Apr 29, 2026
Prior Transfer Doc	043362-411
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Recording Date	Aug 12, 2026
Property Address	261 CENTRAL ST, ROWLEY, MA 01969-1311
Document Number	0000002750
Book / Page	43566 / 267
Instrument Date	Aug 7, 2026
Instrument	20262750
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	261 CENTRAL ST, ROWLEY, MA 01969-1311

Mortgage

Document Number	0000002750,
Date	Aug 12, 2026
Book Page	43566/267
Instrument	20262750

Lender

Name	TOTAL MORTGAGE SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	May 1, 2026
Property Address	261 CENTRAL ST, ROWLEY, MA 01969-1311
Document Number	043362-411
Book / Page	43362 / 411
Instrument Date	Apr 29, 2026
Instrument	2026.2960
Transaction Type	Transfer
Record Updated	May 21, 2026

Transaction

Amount	Amount Recorded
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	261 CENTRAL ST, ROWLEY, MA 01969-1311

Mortgage

Date	May 1, 2026

Lender

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate	6.22%
Max Rate	-1%

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
2026	$6,698.00 (+2.79%)	$554,000 (+0.07%) Land $303,400 Building $250,600	$633,933 (+5.43%)
2025	$6,516.00 (+3.77%)	$553,600 (+6.69%) Land $289,000 Building $264,600	$601,255
2024	$6,279.00 (+2.85%)	$518,900 (+10.66%) Land $275,300 Building $243,600
2023	$6,105.00	$468,900 Land $239,400 Building $229,500

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, 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	Direct burnable vegetation

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 33 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)

Nearby Properties on Central St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures