349 Central St, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 349 Central St, Rowley, MA 01969

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 2,326 sqft · built 1987
Lot Size	8.44 acres (367,646 sqft)
Owner	2 Individual Names on Record
Last Sale	$478,000 (Jul 2013)
Tax Bill	$9,361 (2026)
Deeds & Mortgages	Aug 2022 Line of Credit Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0021 B:0035 L:0001`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0021 B:0035 L:0001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,326 sqft Living Area
Gross Area	4,594 sqft
Basement Area	1,152 sqft
Unfinished Basement	1,152 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Foundation Type	Raised
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	367,646 sqft (8.44 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	349 CENTRAL ST
City	ROWLEY
State	MA
Zip	01969-1310
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	CCD
Legal Subdivision	JOHN HAMILTON
Legal Block	35
Legal Lot Number	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 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	349 CENTRAL ST, ROWLEY, MA 01969-1310
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2022	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Jan 25, 2017	Quit Claim Deed, Transfer · Conventional Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2013 · Amount on Record
Deed Sale	Jul 19, 2013 · Amount on Record
Prior Sale	Oct 31, 1997 · Amount on Record
Deed Book / Page	32669 / 33
Transfer Doc	35634-455
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	349 CENTRAL ST, ROWLEY, MA 01969-1310
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041150-526
Date	Aug 25, 2022
Book Page	41150/526

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	Jan 25, 2017
Property Address	349 CENTRAL ST, ROWLEY, MA 01969-1310
Document Number	35634-455
Book / Page	035634 / 000455
Instrument Date	Jan 18, 2017
Instrument	1701250085
Transaction Type	Transfer
Record Updated	Feb 16, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	349 CENTRAL ST ROWLEY MA 019691310, ROWLEY, MA 01969-1310

Mortgage

Document Number	35634-458
Date	Jan 25, 2017
Book Page	035634/000458
Instrument	1701250086

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 24, 2047

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	$9,361.00 (+5.27%)	$774,300 (+2.49%) Land $298,300 Building $476,000	$946,442 (+19.38%)
2025	$8,892.00 (+1.15%)	$755,500 (+3.99%) Land $284,700 Building $470,800	$792,775
2024	$8,791.00 (+2.77%)	$726,500 (+10.58%) Land $271,500 Building $455,000
2023	$8,554.00	$657,000 Land $236,100 Building $420,900

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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