35 Spencer Knowles Rd, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 35 Spencer Knowles Rd, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,324 sqft · built 2003
Lot Size	0.561 acres (24,431 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Apr 2015)
Tax Bill	$11,637 (2026)
Deeds & Mortgages	Mar 2022 Line of Credit Sep 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0017 B:0020 L:0038`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0017 B:0020 L:0038`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	2,324 sqft Living Area
Gross Area	4,896 sqft
Basement Area	578 sqft
Unfinished Basement	578 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,431 sqft (0.561 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	35 SPENCER KNOWLES RD
City	ROWLEY
State	MA
Zip	01969-1743
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BLI
Legal Block	20
Legal Lot Number	38
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	3
Census Block	3000
Census Tract	270100

Owner

35 Spencer Knowles Rd is owned and occupied by two individuals who bought it in April 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	35 SPENCER KNOWLES RD, ROWLEY, MA 01969-1743
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Mar 14, 2022	Deed of Trust, Mortgage · Line of Credit INSTITUTION FOR SAVINGS NEWBURYPORT
Sep 2, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance INSTITUTION FOR SAVINGS NEWBURYPORT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2015 · Amount on File
Deed Sale	Apr 30, 2015 · Amount on File
Prior Sale	May 9, 2007 · Amount on File
Deed Book / Page	34019 / 280
Transfer Doc	034019-280
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	35 SPENCER KNOWLES RD, ROWLEY, MA 01969-1743
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040786-411
Date	Mar 14, 2022
Book Page	40786/411
Instrument	20220314000930

Lender

Name	INSTITUTION FOR SAVINGS NEWBURYPORT
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	35 SPENCER KNOWLES RD, ROWLEY, MA 01969-1743
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38894-344
Date	Sep 2, 2020
Book Page	38894/344
Instrument	20200902000970

Lender

Name	INSTITUTION FOR SAVINGS NEWBURYPORT
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2040

Tax Assessment & Valuation

The 2026 property tax bill for 35 Spencer Knowles Rd was $11,637, up 12.7% 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	$11,637.00 (+12.71%)	$962,500 (+9.72%) Land $402,500 Building $560,000	$1,025,450 (+12.93%)
2025	$10,325.00 (+4.96%)	$877,200 (+7.9%) Land $317,200 Building $560,000	$908,010
2024	$9,837.00 (+1.55%)	$813,000 (+9.27%) Land $276,900 Building $536,100
2023	$9,687.00	$744,000 Land $240,800 Building $503,200

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

Flood

FEMA maps place 35 Spencer Knowles Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 10, 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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 35 Spencer Knowles Rd 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	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber	980 / 880

Cell Coverage

5G and 4G LTE (outdoors only)

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