435 Main St, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 435 Main St, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 4,656 sqft · built 1966
Lot Size	1.49 acres (65,227 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Dec 2008)
Tax Bill	$9,798 (2026)
Deeds & Mortgages	Dec 2020 Refinance Oct 2020 Transfer
Flood Zone	Zone AE (high risk)
APN	`ROWL M:0027 B:0047 L:0000`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0027 B:0047 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	4,656 sqft Living Area
Gross Area	6,477 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	65,227 sqft (1.49 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	435 MAIN ST
City	ROWLEY
State	MA
Zip	01969-1115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OUT
Legal Block	47
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	1
Census Block	1026
Census Tract	270100

Owner

435 Main St is owned and occupied by an individual who acquired it in October 2020.

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

Owner of Record	Individual Name on File
Mailing Address	435 MAIN ST, ROWLEY, MA 01969-1115
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 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance TD BANK NA
Oct 30, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2008 · Amount on File
Deed Sale	Dec 12, 2008 · Amount on File
Prior Sale	Jun 13, 2008
Deed Book / Page	28192 / 521
Last Transfer Date	Oct 28, 2020
Transfer Doc	39119-153
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	435 MAIN ST, ROWLEY, MA 01969-1115
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39344-467
Date	Dec 28, 2020
Book Page	39344/467
Instrument	20201228001650

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	Oct 30, 2020
Property Address	435 MAIN ST, ROWLEY, MA 01969-1115
Document Number	39119-153
Book / Page	039119 / 000153
Instrument Date	Oct 28, 2020
Instrument	30000790
Transaction Type	Transfer
Record Updated	Nov 17, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 MAIN ST ROWLEY MA 019691115, ROWLEY, MA 01969-1115

Tax Assessment & Valuation

The 2026 property tax bill for 435 Main St was $9,798, up 4.7% 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	$9,798.00 (+4.67%)	$810,400 (+1.9%) Land $319,600 Building $490,800	$794,792 (-26.89%)
2025	$9,361.00 (+9.33%)	$795,300 (+12.39%) Land $304,500 Building $490,800	$1,087,085
2024	$8,562.00 (+1.28%)	$707,600 (+8.98%) Land $290,000 Building $417,600
2023	$8,454.00	$649,300 Land $251,900 Building $397,400

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

Flood

FEMA maps place 435 Main St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
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 435 Main 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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures