418 Central St, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 418 Central St, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,910 sqft · built 1951
Lot Size	0.567 acres (24,700 sqft)
Owner	Individual Name on File
Last Sale	$295,000 (Dec 2019)
Tax Bill	$6,468 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Dec 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0022 B:0026 L:0000`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0022 B:0026 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,910 sqft Living Area
Gross Area	3,008 sqft
Basement Area	1,098 sqft
Unfinished Basement	1,098 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,700 sqft (0.567 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	418 CENTRAL ST
City	ROWLEY
State	MA
Zip	01969-1314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	26
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	1
Census Block	1037
Census Tract	270100

Owner

Source: Essex County and Rowley Town records · APN ROWL M:0022 B:0026 L:0000

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	Individual Name on File
Mailing Address	418 CENTRAL ST, ROWLEY, MA 01969-1314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2025	Deed of Trust, Mortgage · Line of Credit NEWBURYPORT FIVE CENTS SAVINGS BANK
Dec 01, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CBC NATIONAL BANK
Dec 17, 2019	Quit Claim Deed, Transfer · Stand-Alone Refinance INSTITUTION FOR SAVINGS NEWBURYPORT

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 17, 2019 · Amount on Record
Deed Sale	Dec 17, 2019 · Amount on Record
Prior Sale	Jul 31, 2015
Deed Book / Page	38119 / 477
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	418 CENTRAL ST, ROWLEY, MA 01969-1314
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	043158-166
Date	Dec 31, 2025
Book Page	43158/166
Instrument	20251231000350

Lender

Name	NEWBURYPORT FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	337 Months
Due	Jan 01, 2054

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	418 CENTRAL ST, ROWLEY, MA 01969-1314
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39244-112
Date	Dec 01, 2020
Book Page	39244/112
Instrument	20201201004640

Lender

Name	CBC NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2051

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	Dec 17, 2019
Property Address	418 CENTRAL ST, ROWLEY, MA 01969-1314
Document Number	38119-477
Book / Page	38119 / 477
Instrument Date	Dec 05, 2019
Instrument	20191217001960
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 CENTRAL ST, ROWLEY, MA 01969-1314

Mortgage

Document Number	191217001970
Date	Dec 17, 2019
Instrument	191217001970

Lender

Name	INSTITUTION FOR SAVINGS NEWBURYPORT
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Essex County and Rowley Town records · Assessment roll updated April 14, 2026 · Last verified July 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

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	$6,468.00 (+3.92%)	$549,500 (+6.82%) Land $264,600 Building $284,900	$624,910
2024	$6,224.00 (+2.49%)	$514,400 (+10.29%) Land $252,000 Building $262,400
2023	$6,073.00	$466,400 Land $219,100 Building $247,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 46 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of 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

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 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.

418 Central St, Rowley, MA 01969 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

December 2025: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2019: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Internet Providers

Cell Coverage

Drinking Water

Violations Reported to EPA

Nearby Properties on Central St

Nearby Streets

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