38 Saunders Ln, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 38 Saunders Ln, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,718 sqft · built 1998
Lot Size	1.12 acres (49,147 sqft)
Owner	Individual Name on Record
Last Sale	$120,000 (Dec 1997)
Tax Bill	$11,346 (2025)
Deeds & Mortgages	Feb 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0017 B:0036 L:0024`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0017 B:0036 L:0024`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,718 sqft Living Area
Gross Area	5,956 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	49,147 sqft (1.12 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	38 SAUNDERS LN
City	ROWLEY
State	MA
Zip	01969-1740
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	ROWLEY PINES TRUST
Legal Block	36
Legal Lot Number	24
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	1
Census Block	1044
Census Tract	270100

Owner

Source: Essex County and Rowley Town records, as of July 20, 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 Record
Mailing Address	38 SAUNDERS LN, ROWLEY, MA 01969-1740
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 1997 · Amount on Record
Deed Sale	Dec 29, 1997 · Amount on Record
Deed Book / Page	14510 / 144
Record Updated	Sep 20, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	38 SAUNDERS LN, ROWLEY, MA 01969-1740
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35685-359
Date	Feb 16, 2017
Book Page	35685/359
Instrument	341

Lender

Name	INST SVGS NEWBURYPORT
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$11,346.00 (+1.87%)	$964,000 (+4.73%) Land $348,600 Building $615,400	$961,115
2024	$11,138.00 (+0.29%)	$920,500 (+7.91%) Land $332,100 Building $588,400
2023	$11,106.00	$853,000 Land $288,700 Building $564,300

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 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 Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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