30 Railroad Ave, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 30 Railroad Ave, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,335 sqft · built 1880
Lot Size	0.297 acres (12,920 sqft)
Owner	Individual Name on File
Last Sale	$589,900 (Jan 2022)
Tax Bill	$8,366 (2026)
Deeds & Mortgages	Jan 2024 Refinance Aug 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0027 B:0067 L:0000`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0027 B:0067 L:0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,335 sqft Living Area
Gross Area	4,979 sqft
Basement Area	648 sqft
Unfinished Basement	648 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Conventional
Exterior Material	Wood Siding
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,920 sqft (0.297 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	30 RAILROAD AVE
City	ROWLEY
State	MA
Zip	01969-1206
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OUT
Legal Block	67
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	1
Census Block	1025
Census Tract	270100

Owner

30 Railroad Ave is owned and occupied by an individual who bought it in January 2022.

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

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

Owner of Record	Individual Name on File
Mailing Address	30 RAILROAD AVE, ROWLEY, MA 01969-1206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Aug 1, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 12, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage EAST CAMBRIDGE SAVINGS BANK
Sep 1, 2021	Quit Claim Deed, Transfer
Oct 16, 2017	Personal Representative Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 12, 2022 · Amount on File
Deed Sale	Jan 12, 2022 · Amount on File
Prior Sale	Sep 1, 2021 · Amount on File
Deed Book / Page	40651 / 521
Prior Transfer Date	Nov 5, 2020
Prior Transfer Doc	0040240-94
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	30 RAILROAD AVE, ROWLEY, MA 01969-1206
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041963-449
Date	Jan 26, 2024
Book Page	41963/449
Instrument	20240126002700

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	30 RAILROAD AVE, ROWLEY, MA 01969-1206
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042865-76
Date	Aug 1, 2025
Book Page	42865/76
Instrument	20250801001040

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	Jan 12, 2022
Property Address	30 RAILROAD AVE, ROWLEY, MA 01969-1206
Document Number	040651-521
Book / Page	40651 / 521
Instrument Date	Jan 12, 2022
Transaction Type	Transfer
Record Updated	Jan 21, 2026

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	30 RAILROAD AVE, ROWLEY, MA 01969-1206

Mortgage

Document Number	0040651524
Date	Jan 12, 2022
Instrument	40651/524

Lender

Name	EAST CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	Sep 1, 2021
Property Address	30 RAILROAD AVE, ROWLEY, MA 01969-1206
Document Number	0040240-94
Book / Page	40240 / 94
Instrument Date	Nov 5, 2020
Instrument	20210901005390
Transaction Type	Transfer
Record Updated	Jan 27, 2022

Transaction

Amount	Amount 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
Address	259 S MAIN ST # 3, 3, HAVERHILL, MA 01835-7351

October 2017: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	ROWLEY MA
Recording Date	Oct 16, 2017
Property Address	30 RAILROAD AVE, ROWLEY, MA 01969-1206
Document Number	36254-379
Book / Page	036254 / 000379
Instrument Date	Oct 5, 2017
Instrument	1710160252
Transaction Type	Transfer
Record Updated	Nov 7, 2017

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30 RAILROAD AVE ROWLEY MA 019691206, ROWLEY, MA 01969-1206

Tax Assessment & Valuation

The 2026 property tax bill for 30 Railroad Ave was $8,366, up 25.9% 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	$8,366.00 (+25.86%)	$692,000 (+22.54%) Land $248,100 Building $443,900	$718,231 (+4.14%)
2025	$6,647.00 (+1.19%)	$564,700 (+4.02%) Land $236,300 Building $328,400	$689,700
2024	$6,569.00 (+8.94%)	$542,900 (+17.23%) Land $225,100 Building $317,800
2023	$6,030.00	$463,100 Land $195,700 Building $267,400

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

Flood

FEMA maps place 30 Railroad Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.

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

Wildfire risk around 30 Railroad Ave 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 99 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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