42 Spencer Knowles Rd, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 42 Spencer Knowles Rd, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,548 sqft · built 2003
Lot Size	0.498 acres (21,683 sqft)
Owner	Individual Name on File
Last Sale	$850,500 (Dec 2021)
Tax Bill	$11,172 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Mar 2019 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0017 B:0020 L:0005`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0017 B:0020 L:0005`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	2,548 sqft Living Area
Gross Area	4,777 sqft
Basement Area	578 sqft
Unfinished Basement	578 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,683 sqft (0.498 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	42 SPENCER KNOWLES RD
City	ROWLEY
State	MA
Zip	01969-1743
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BLI
Legal Block	20
Legal Lot Number	5
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	3
Census Block	3000
Census Tract	270100

Owner

42 Spencer Knowles Rd is owned and occupied by an individual who bought it in December 2021.

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

Owner of Record	Individual Name on File
Mailing Address	42 SPENCER KNOWLES RD, ROWLEY, MA 01969-1743
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 2, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CALIBER HOME LOANS INC
Mar 5, 2019	Deed of Trust, Mortgage · Line of Credit FIRST IPSWICH BANK
Mar 12, 2019	Deed of Trust, Mortgage · Line of Credit FIRST IPSWICH BANK
Apr 4, 2017	Deed of Trust, Mortgage · Line of Credit SANTANDER BK NA
Jul 26, 2017	Deed of Trust, Mortgage · Closed-End Mortgage SANTANDER BANK NA
May 4, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2021 · Amount on File
Deed Sale	Dec 2, 2021 · Amount on File
Prior Sale	Jul 5, 2016 · Amount on File
Deed Book / Page	40540 / 273
Record Updated	Oct 29, 2026

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	Dec 2, 2021
Property Address	42 SPENCER KNOWLES RD, ROWLEY, MA 01969-1743
Document Number	040540-273
Book / Page	40540 / 273
Instrument Date	Dec 2, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 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
Relationship	Tenants by the Entirety
Address	42 SPENCER KNOWLES RD, ROWLEY, MA 01969-1743

Mortgage

Document Number	0040540275
Date	Dec 2, 2021
Instrument	40540/275

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	42 SPENCER KNOWLES RD, ROWLEY, MA 01969-1743
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37363-142
Date	Mar 5, 2019
Book Page	37363/142
Instrument	20190305000050

Lender

Name	FIRST IPSWICH BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	42 SPENCER KNOWLES RD, ROWLEY, MA 01969-1743
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37375-195
Date	Mar 12, 2019
Book Page	37375/195
Instrument	20190312000060

Lender

Name	FIRST IPSWICH BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	42 SPENCER KNOWLES RD, ROWLEY, MA 01969-1743
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35778-147
Date	Apr 4, 2017
Book Page	35778/147
Instrument	191

Lender

Name	SANTANDER BK NA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2047

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	42 SPENCER KNOWLES RD, ROWLEY, MA 01969-1743
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36046-492
Date	Jul 26, 2017
Book Page	36046/492
Instrument	120

Lender

Name	SANTANDER BANK NA

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	42 SPENCER KNOWLES RD, ROWLEY, MA 01969-1743
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38480-511
Date	May 4, 2020
Book Page	38480/511
Instrument	20200504002860

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 42 Spencer Knowles Rd was $11,172, up 13% 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	$11,172.00 (+13.03%)	$924,100 (+10.04%) Land $398,000 Building $526,100	$985,466 (+2.16%)
2025	$9,884.00 (+5.47%)	$839,800 (+8.43%) Land $313,700 Building $526,100	$964,630
2024	$9,371.00 (+1.75%)	$774,500 (+9.49%) Land $273,800 Building $500,700
2023	$9,210.00	$707,400 Land $238,100 Building $469,300

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

Flood

FEMA maps place 42 Spencer Knowles Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 42 Spencer Knowles Rd 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	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber	980 / 880

Cell Coverage

5G and 4G LTE (outdoors only)

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