364 Main St, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 364 Main St, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,307 sqft · built 1895
Lot Size	2.04 acres (89,185 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Dec 2012)
Tax Bill	$8,528 (2026)
Deeds & Mortgages	Aug 2023 Transfer Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0027 B:0010 L:0000`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0027 B:0010 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	2,307 sqft Living Area
Gross Area	3,556 sqft
Basement Area	641 sqft
Unfinished Basement	641 sqft

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Architectural Style	Conventional
Exterior Material	Wood Siding
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	89,185 sqft (2.04 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	364 MAIN ST
City	ROWLEY
State	MA
Zip	01969-1511
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OUT
Legal Block	10
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	1
Census Block	1048
Census Tract	270100

Owner

364 Main St is owned and occupied by two individuals who acquired it in July 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	364 MAIN ST, ROWLEY, MA 01969-1511
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

Date	Document
Aug 30, 2023	Quit Claim Deed, Transfer Quitclaim
Mar 10, 2020	Deed of Trust, Mortgage · Balloon Mortgage RTN FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2012 · Amount on File
Deed Sale	Dec 21, 2012 · Amount on File
Prior Sale	May 20, 2003 · Amount on File
Deed Book / Page	32046 / 455
Last Transfer Date	Jul 26, 2023
Transfer Doc	041738-133
Record Updated	Oct 29, 2026

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	Aug 30, 2023
Property Address	364 MAIN ST, ROWLEY, MA 01969-1511
Document Number	041738-133
Book / Page	41738 / 133
Instrument Date	Jul 26, 2023
Instrument	20230830003220
Transaction Type	Transfer
Record Updated	Sep 15, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	364 MAIN ST, ROWLEY, MA 01969-1511

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	364 MAIN ST, ROWLEY, MA 01969-1511
Transaction Type	Mortgage
Record Updated	Mar 4, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38323-242
Date	Mar 10, 2020
Book Page	38323/242
Instrument	20200310001480

Lender

Name	RTN FEDERAL CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	229 Months
Due	Apr 1, 2039

Tax Assessment & Valuation

The 2026 property tax bill for 364 Main St was $8,528, up 7.9% 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	$8,528.00 (+7.89%)	$705,400 (+5.05%) Land $326,800 Building $378,600	$712,003 (+10.12%)
2025	$7,904.00 (+3.24%)	$671,500 (+6.13%) Land $311,400 Building $360,100	$646,570
2024	$7,656.00 (+7.17%)	$632,700 (+15.31%) Land $296,600 Building $336,100
2023	$7,144.00	$548,700 Land $256,800 Building $291,900

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

Flood

FEMA maps place 364 Main St 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 364 Main St 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 58 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

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