35 Saunders Ln, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 35 Saunders Ln, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,594 sqft · built 1998
Lot Size	0.931 acres (40,560 sqft)
Owner	Individual Name on File
Last Sale	$333,500 (Aug 2018)
Tax Bill	$10,715 (2025)
Deeds & Mortgages	Feb 2021 Refinance Jun 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0017 B:0036 L:0005`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0017 B:0036 L:0005`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	2,594 sqft Living Area
Gross Area	6,148 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,560 sqft (0.931 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	35 SAUNDERS LN
City	ROWLEY
State	MA
Zip	01969-1744
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	36
Legal Lot Number	5
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	1
Census Block	1042
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	35 SAUNDERS LN, ROWLEY, MA 01969-1744
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Jun 6, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE CENTS SAVINGS BANK
Aug 30, 2018	Quit Claim Deed, Transfer Quitclaim
Aug 1, 2017	Quit Claim Deed, Transfer LEADER BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 30, 2018 · Amount on Record
Deed Sale	Aug 30, 2018 · Amount on Record
Prior Sale	Aug 1, 2017 · Amount on Record
Deed Book / Page	36975 / 143
Transfer Doc	34046-150
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	35 SAUNDERS LN, ROWLEY, MA 01969-1744
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039538-168
Date	Feb 17, 2021
Book Page	39538/168
Instrument	20210217001140

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2041

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	35 SAUNDERS LN, ROWLEY, MA 01969-1744
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040980-426
Date	Jun 6, 2022
Book Page	40980/426
Instrument	20220606000620

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	Aug 30, 2018
Property Address	35 SAUNDERS LN, ROWLEY, MA 01969-1744
Document Number	36975-143
Book / Page	036975 / 000143
Instrument Date	Aug 13, 2018
Instrument	180830250
Transaction Type	Transfer
Record Updated	Jan 15, 2019

Transaction

Amount	Amount Recorded
Tax	$1,520.76
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 SAUNDERS LN ROWLEY MA 019691744, ROWLEY, MA 01969-1744

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	Aug 1, 2017
Property Address	35 SAUNDERS LN, ROWLEY, MA 01969-1744
Document Number	36067-99
Book / Page	36067 / 99
Instrument	202
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$77.18
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 SAUNDERS LN, ROWLEY, MA 01969-1744

Mortgage

Document Number	360670101
Date	Aug 1, 2017
Instrument	36067/0101

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 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
2025	$10,715.00 (+1.84%)	$910,400 (+4.7%) Land $336,800 Building $573,600	$940,595
2024	$10,521.00 (-0.48%)	$869,500 (+7.08%) Land $320,900 Building $548,600
2023	$10,572.00	$812,000 Land $279,000 Building $533,000

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 at the parcel

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 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
T-Mobile USA Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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