27 Oak Ledge Cir, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 27 Oak Ledge Cir, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,770 sqft · built 2012
Lot Size	0.522 acres (22,755 sqft)
Owner	Individual Name on File
Last Sale	$610,500 (Apr 2013)
Tax Bill	$12,697 (2026)
Deeds & Mortgages	Apr 2022 Refinance Aug 2020 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0023 B:0019 L:0020`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0023 B:0019 L:0020`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	2,770 sqft Living Area
Gross Area	6,345 sqft
Basement Area	1,320 sqft
Unfinished Basement	1,320 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,755 sqft (0.522 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	27 OAK LEDGE CIR
City	ROWLEY
State	MA
Zip	01969-1752
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OUT
Legal Subdivision	WILD PASTURE ESTATES A DEFINIT
Legal Block	19
Legal Lot Number	20
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	3
Census Block	3000
Census Tract	270100

Owner

27 Oak Ledge Cir is owned and occupied by an individual who bought it in April 2013.

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

Owner of Record	Individual Name on File
Mailing Address	27 OAK LEDGE CIR, ROWLEY, MA 01969-1752
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance THIRD FEDERAL SAVING & LOAN ASSOC
Aug 27, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP
Aug 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE
Apr 26, 2019	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN
Dec 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2013 · Amount on File
Deed Sale	Apr 18, 2013 · Amount on File
Prior Sale	Apr 25, 2012
Deed Book / Page	32392 / 351
Transfer Doc	032392-351
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	27 OAK LEDGE CIR, ROWLEY, MA 01969-1752
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040862-323
Date	Apr 14, 2022
Book Page	40862/323
Instrument	20220414000220

Lender

Name	THIRD FEDERAL SAVING & LOAN ASSOC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	27 OAK LEDGE CIR, ROWLEY, MA 01969-1752
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38869-357
Date	Aug 27, 2020
Book Page	38869/357
Instrument	20200827003550

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	27 OAK LEDGE CIR, ROWLEY, MA 01969-1752
Document Number	37762-560
Instrument Date	Aug 12, 2019
Transaction Type	Mortgage
Record Updated	Sep 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	27 OAK LEDGE CIR ROWLEY MA 019691752, ROWLEY, MA 01969-1752

Mortgage

Document Number	37762-560
Date	Aug 16, 2019
Book Page	037762/000560
Instrument	1908165240

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 15, 2049

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	27 OAK LEDGE CIR, ROWLEY, MA 01969-1752
Document Number	37505-219
Instrument Date	Apr 26, 2019
Transaction Type	Mortgage
Record Updated	May 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 OAK LEDGE CIR ROWLEY MA 019691752, ROWLEY, MA 01969-1752

Mortgage

Document Number	37505-219
Date	May 13, 2019
Book Page	037505/000219
Instrument	1905133160

Lender

Name	THIRD FED'L S&L ASSN

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 12, 2049

Interest

Rate Type	Adjustable Rate

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	27 OAK LEDGE CIR, ROWLEY, MA 01969-1752
Document Number	37243-433
Instrument Date	Dec 21, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 OAK LEDGE CIR ROWLEY MA 019691752, ROWLEY, MA 01969-1752

Mortgage

Document Number	37243-433
Date	Dec 27, 2018
Book Page	037243/000433
Instrument	1227002670

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 26, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 27 Oak Ledge Cir was $12,697, up 7.3% 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	$12,697.00 (+7.35%)	$1,050,200 (+4.51%) Land $399,700 Building $650,500	$1,113,203 (+4.49%)
2025	$11,828.00 (+1.87%)	$1,004,900 (+4.72%) Land $354,400 Building $650,500	$1,065,330
2024	$11,611.00 (+1.85%)	$959,600 (+9.59%) Land $337,500 Building $622,100
2023	$11,400.00	$875,600 Land $293,500 Building $582,100

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

Flood

FEMA maps place 27 Oak Ledge Cir 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

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 27 Oak Ledge Cir 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.

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 105 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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