Essex County and Rowley Town property record for 38 Trowbridge Cir, Rowley, MA 01969
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,457 sqft · built 1989 |
| Lot Size | 0.942 acres (41,051 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,400,000 (Jun 2025) |
| Tax Bill | $11,323 (2025) |
| Deeds & Mortgages | Apr 2021 Line of Credit Jan 2023 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ROWL M:0014 B:0009 L:0008 |
| Primary APN | ROWL M:0014 B:0009 L:0008 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,457 sqft Living Area |
| Gross Area | 6,783 sqft |
| Basement Area | 1,842 sqft |
| Unfinished Basement | 1,842 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 41,051 sqft (0.942 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 38 TROWBRIDGE CIR |
|---|---|
| City | ROWLEY |
| State | MA |
| Zip | 01969-2127 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 9 |
| Legal Lot Number | 8 |
| Jurisdiction | ROWLEY MA |
| Township / Civil Division | ROWLEY |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 270100 |
Source: Essex County and Rowley Town records · APN ROWL M:0014 B:0009 L:0008
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 38 TROWBRIDGE CIR, ROWLEY, MA 01969-2127 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 28, 2021 | Deed of Trust, Mortgage · Line of Credit INSTITUTION FOR SAVINGS NEWBURYPORT |
| Jan 25, 2023 | Deed of Trust, Mortgage · Line of Credit INSTITUTION FOR SAVINGS NEWBURYPORT |
| Jul 08, 2024 | Deed of Trust, Mortgage · Line of Credit INSTITUTION FOR SAVINGS NEWBURYPORT |
| Jun 12, 2025 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage BRIGHTBRIDGE CU |
| Oct 15, 2019 | Deed of Trust, Mortgage · Balloon Mortgage INSTITUTION FOR SAVINGS NEWBURYPORT |
| Oct 15, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance INSTITUTION FOR SAVINGS NEWBURYPORT |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 12, 2025 · Amount on Record |
| Deed Sale | Jun 12, 2025 · Amount on Record |
| Prior Sale | Aug 20, 1999 · Amount on Record |
| Deed Book / Page | 42770 / 131 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 38 TROWBRIDGE CIR, ROWLEY, MA 01969-2127 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2025 |
| Name | Verified Name |
|---|
| Document Number | 039813-252 |
|---|---|
| Date | Apr 28, 2021 |
| Book Page | 39813/252 |
| Instrument | 20210428001450 |
| Name | INSTITUTION FOR SAVINGS NEWBURYPORT |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 38 TROWBRIDGE CIR, ROWLEY, MA 01969-2127 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2025 |
| Name | Verified Name |
|---|
| Document Number | 041411-576 |
|---|---|
| Date | Jan 25, 2023 |
| Book Page | 41411/576 |
| Instrument | 20230125000240 |
| Name | INSTITUTION FOR SAVINGS NEWBURYPORT |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 38 TROWBRIDGE CIR, ROWLEY, MA 01969-2127 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0042205-89 |
|---|---|
| Date | Jul 08, 2024 |
| Book Page | 42205/89 |
| Instrument | 20240708000440 |
| Name | INSTITUTION FOR SAVINGS NEWBURYPORT |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ROWLEY MA |
| Recording Date | Jun 12, 2025 |
| Property Address | 38 TROWBRIDGE CIR, ROWLEY, MA 01969-2127 |
| Document Number | 042770-131 |
| Book / Page | 42770 / 131 |
| Instrument Date | Jun 12, 2025 |
| Instrument | 20250612003220 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 38 TROWBRIDGE CIR, ROWLEY, MA 01969-2127 |
| Investor | Possibly a Property Investor |
| Document Number | 20250612003230 |
|---|---|
| Date | Jun 12, 2025 |
| Instrument | 20250612003230 |
| Name | BRIGHTBRIDGE CU |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 38 TROWBRIDGE CIR, ROWLEY, MA 01969-2127 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 37932-367 |
|---|---|
| Date | Oct 15, 2019 |
| Book Page | 37932/367 |
| Instrument | 20191015003830 |
| Name | INSTITUTION FOR SAVINGS NEWBURYPORT |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 38 TROWBRIDGE CIR, ROWLEY, MA 01969-2127 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 37932-349 |
|---|---|
| Date | Oct 15, 2019 |
| Book Page | 37932/349 |
| Instrument | 20191015003820 |
| Name | INSTITUTION FOR SAVINGS NEWBURYPORT |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Nov 01, 2029 |
Source: Essex County and Rowley Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Rowley Town |
| Unified School District | Triton School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,323.00 (+0.25%) | $962,000 (+3.05%) Land $337,500 Building $624,500 | $1,319,360 |
| 2024 | $11,295.00 (+1.7%) | $933,500 (+9.44%) Land $321,500 Building $612,000 | |
| 2023 | $11,106.00 | $853,000 Land $279,600 Building $573,400 |
Source: FEMA National Flood Hazard Layer, Essex County (25009C), updated July 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250092701002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| 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 |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 33 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | ROWLEY WATER DEPARTMENT serves 6,161 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2025 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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