319 Central St, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 319 Central St, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,616 sqft · built 1890
Lot Size	1.21 acres (52,762 sqft)
Owner	Individual Name on File
Last Sale	$153,500 (May 1995)
Tax Bill	$6,398 (2025)
Deeds & Mortgages	Nov 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0028 B:0001 L:0000`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0028 B:0001 L:0000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	3 Stories
Building Area	1,616 sqft Living Area
Gross Area	3,754 sqft
Basement Area	784 sqft
Unfinished Basement	784 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	52,762 sqft (1.21 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	319 CENTRAL ST
City	ROWLEY
State	MA
Zip	01969-1310
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	1
Census Block	1033
Census Tract	270100

Owner

Source: Essex County and Rowley Town assessment roll, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	319 CENTRAL ST, ROWLEY, MA 01969-1310
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 15, 1995 · Amount on Record
Deed Sale	May 15, 1995 · Amount on Record
Deed Book / Page	13021 / 13
Record Updated	Sep 20, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	319 CENTRAL ST, ROWLEY, MA 01969-1310
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38028-208
Date	Nov 14, 2019
Book Page	38028/208
Instrument	20191114005710

Lender

Name	FIRST IPSWICH BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

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
2025	$6,398.00 (+3.13%)	$543,600 (+6.03%) Land $294,700 Building $248,900	$642,865
2024	$6,204.00 (+6.49%)	$512,700 (+14.57%) Land $280,700 Building $232,000
2023	$5,826.00	$447,500 Land $244,000 Building $203,500

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)

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