34 Railroad Ave, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 34 Railroad Ave, Rowley, MA 01969

Property Summary

Property Type	Duplex
Details	6 bd · 2.5 ba · 2,149 sqft · built 1880
Lot Size	0.642 acres (27,975 sqft)
Owner	Individual Name on File
Last Sale	$654,000 (Nov 2023)
Tax Bill	$7,961 (2026)
Deeds & Mortgages	Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0027 B:0068 L:0000`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0027 B:0068 L:0000`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Units	2 Units
Stories	3 Stories
Building Area	2,149 sqft Living Area
Gross Area	4,099 sqft
Basement Area	875 sqft
Unfinished Basement	875 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Other
Exterior Material	Wood Siding
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,975 sqft (0.642 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	34 RAILROAD AVE
City	ROWLEY
State	MA
Zip	01969-1206
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	OUT
Legal Block	68
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	1
Census Block	1025
Census Tract	270100

Owner

34 Railroad Ave, a duplex, is owned and occupied by an individual who bought it in November 2023.

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

Owner of Record	Individual Name on File
Mailing Address	34 RAILROAD AVE, ROWLEY, MA 01969-1206
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2023 · Amount on File
Deed Sale	Nov 13, 2023 · Amount on File
Deed Document Number	20231680
Deed Book / Page	41855 / 471
Record Updated	Oct 29, 2026

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	Nov 13, 2023
Property Address	34 RAILROAD AVE, ROWLEY, MA 01969-1206
Document Number	041855-471
Book / Page	41855 / 471
Instrument Date	Nov 13, 2023
Instrument	20231113001680
Transaction Type	Transfer
Record Updated	Dec 8, 2023

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	34 RAILROAD AVE, ROWLEY, MA 01969-1206

Mortgage

Document Number	231113001690
Date	Nov 13, 2023
Instrument	231113001690

Lender

Name	LIBERTY BAY CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.63%
Type Change Date	Dec 1, 2028
Max Rate At Change	3%
Index	1-Year CMT
Margin	3

Tax Assessment & Valuation

The 2026 property tax bill for 34 Railroad Ave was $7,961, up 10.3% 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	$7,961.00 (+10.26%)	$658,500 (+7.35%) Land $281,500 Building $377,000	$674,202
2025	$7,220.00 (+1.25%)	$613,400 (+4.09%) Land $268,100 Building $345,300
2024	$7,131.00 (+8.52%)	$589,300 (+16.76%) Land $255,300 Building $334,000
2023	$6,571.00	$504,700 Land $222,000 Building $282,700

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

Flood

FEMA maps place 34 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 34 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 49 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

Nearby Properties on Railroad Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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