294 Central St, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 294 Central St, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,506 sqft · built 1935
Lot Size	1.87 acres (81,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$312,000 (Dec 2001)
Tax Bill	$7,873 (2026)
Deeds & Mortgages	Apr 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0022 B:0016 L:0000`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0022 B:0016 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,506 sqft Living Area
Gross Area	2,892 sqft
Basement Area	750 sqft
Unfinished Basement	750 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	81,780 sqft (1.87 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	294 CENTRAL ST
City	ROWLEY
State	MA
Zip	01969-1316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OUT
Legal Block	16
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	1
Census Block	1037
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	294 CENTRAL ST, ROWLEY, MA 01969-1316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2001 · Amount on Record
Deed Sale	Dec 28, 2001 · Amount on Record
Prior Sale	Jan 6, 1992 · Amount on Record
Deed Book / Page	18119 / 372
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	294 CENTRAL ST, ROWLEY, MA 01969-1316
Document Number	38476-71
Instrument Date	Apr 23, 2020
Transaction Type	Mortgage
Record Updated	May 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	294 CENTRAL ST ROWLEY MA 019691316, ROWLEY, MA 01969-1316

Mortgage

Document Number	38476-71
Date	May 1, 2020
Book Page	038476/000071
Instrument	1003850

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2050

Interest

Rate Type	Adjustable Rate

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	$7,873.00 (+5.18%)	$651,200 (+2.41%) Land $324,600 Building $326,600	$634,788 (-6.2%)
2025	$7,485.00 (+7.78%)	$635,900 (+10.78%) Land $309,300 Building $326,600	$676,780
2024	$6,945.00 (+2.24%)	$574,000 (+10.02%) Land $294,600 Building $279,400
2023	$6,793.00	$521,700 Land $255,300 Building $266,400

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 (outdoors only) and 4G LTE

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