4 Clay Ln, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 4 Clay Ln, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,714 sqft · built 1998
Lot Size	0.97 acres (42,246 sqft)
Owner	2 Company Names on File
Tax Bill	$11,617 (2026)
Deeds & Mortgages	May 2026 Line of Credit Jul 2026 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0020 B:0003 L:0035`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0020 B:0003 L:0035`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,714 sqft Living Area
Gross Area	5,352 sqft
Basement Area	1,064 sqft
Unfinished Basement	1,064 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	42,246 sqft (0.97 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4 CLAY LN
City	ROWLEY
State	MA
Zip	01969-1632
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OUT
Legal Subdivision	MILL RIVER HEIGHTS
Legal Block	3
Legal Lot Number	35
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	1
Census Block	1058
Census Tract	270100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on File
Mailing Address	4 CLAY LN, ROWLEY, MA 01969-1632
Owner Type	Company
Vesting	Trust, Irrevocable Trust

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed of Trust, Mortgage · Line of Credit HANSCOMB FEDERAL CREDIT UNION
Jul 16, 2026	Quit Claim Deed, Transfer Quitclaim
Sep 13, 2021	Deed of Trust, Mortgage · Line of Credit HANSCOM FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 7, 2026
Transfer Doc	0000000740
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Recording Date	May 22, 2026
Property Address	4 CLAY LN, ROWLEY, MA 01969-1632
Document Number	043401-109
Book / Page	43401 / 109
Instrument Date	May 18, 2026
Instrument	2026670
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 CLAY LN, ROWLEY, MA 01969-1632

Mortgage

Document Number	0000000670,
Date	May 22, 2026
Book Page	43401/109
Instrument	2026670

Lender

Name	HANSCOMB FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	Jul 16, 2026
Property Address	4 CLAY LN, ROWLEY, MA 01969-1632
Document Number	0000000740
Book / Page	43510 / 284
Instrument Date	May 7, 2026
Instrument	2026740
Transaction Type	Transfer
Record Updated	Aug 31, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 CLAY LN, ROWLEY, MA 01969-1632

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	4 CLAY LN, ROWLEY, MA 01969-1632
Transaction Type	Mortgage
Record Updated	Oct 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40270-62
Date	Sep 13, 2021
Book Page	40270/62
Instrument	20210913002400

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate

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
2026	$11,617.00 (+17.3%)	$960,900 (+14.19%) Land $430,200 Building $530,700	$989,978 (+3.06%)
2025	$9,904.00 (+1.84%)	$841,500 (+4.7%) Land $310,800 Building $530,700	$960,545
2024	$9,725.00 (-0.48%)	$803,700 (+7.09%) Land $296,200 Building $507,500
2023	$9,772.00	$750,500 Land $257,500 Building $493,000

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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