408 Central St, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 408 Central St, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,610 sqft · built 1954
Lot Size	0.999 acres (43,500 sqft)
Owner	Individual Name on File
Last Sale	$778,000 (Jun 2026)
Tax Bill	$7,209 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Sep 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0022 B:0024 L:0000`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0022 B:0024 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,610 sqft Living Area
Gross Area	3,636 sqft
Basement Area	1,072 sqft
Unfinished Basement	1,072 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,500 sqft (0.999 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	408 CENTRAL ST
City	ROWLEY
State	MA
Zip	01969-1314
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OUT
Legal Block	24
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	1
Census Block	1037
Census Tract	270100

Owner

408 Central St is owned and occupied by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	408 CENTRAL ST, ROWLEY, MA 01969-1314
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Jun 16, 2026	Quit Claim Deed, Transfer · Conventional Mortgage SALEM FIVE MORTGAGE CORPORATION
Sep 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP
Jun 19, 2017	Quit Claim Deed, Transfer SALEM FIVE MTG CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2026 · Amount on File
Deed Sale	Jun 16, 2026 · Amount on File
Prior Sale	Jun 19, 2017 · Amount on File
Deed Document Number	20261830
Deed Book / Page	43447 / 468
Transfer Doc	00035953-2
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	Jun 16, 2026
Property Address	408 CENTRAL ST, ROWLEY, MA 01969-1314
Document Number	0000001830
Book / Page	43447 / 468
Instrument Date	Jun 15, 2026
Instrument	20261830
Transaction Type	Transfer
Record Updated	Jul 7, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 CENTRAL ST, ROWLEY, MA 01969-1314

Mortgage

Date	Jun 16, 2026

Lender

Name	SALEM FIVE MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.3%
Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	408 CENTRAL ST, ROWLEY, MA 01969-1314
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38968-399
Date	Sep 23, 2020
Book Page	38968/399
Instrument	20200923001990

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

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

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	Jun 19, 2017
Property Address	408 CENTRAL ST, ROWLEY, MA 01969-1314
Document Number	35953-2
Book / Page	35953 / 2
Instrument	407
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$47.85
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 CENTRAL ST, ROWLEY, MA 01969-1314

Mortgage

Document Number	359530004
Date	Jun 19, 2017
Instrument	35953/0004

Lender

Name	SALEM FIVE MTG CO

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 19, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 408 Central St was $7,209, up 5.2% 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	$7,209.00 (+5.23%)	$596,300 (+2.44%) Land $298,200 Building $298,100	$694,110 (+22.51%)
2025	$6,851.00 (+7.97%)	$582,100 (+11%) Land $284,000 Building $298,100	$566,580
2024	$6,345.00 (+2.21%)	$524,400 (+9.98%) Land $270,600 Building $253,800
2023	$6,208.00	$476,800 Land $235,300 Building $241,500

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

Flood

FEMA maps place 408 Central 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 408 Central 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 46 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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