Essex County and Rowley Town property record for 438 Haverhill St, Rowley, MA 01969
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,080 sqft · built 1990 |
| Lot Size | 0.893 acres (38,900 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,000 (Oct 2013) |
| Tax Bill | $6,895 (2026) |
| Deeds & Mortgages | Aug 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | ROWL M:0014 B:0036 L:0001 |
| Primary APN | ROWL M:0014 B:0036 L:0001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,080 sqft Living Area |
| Gross Area | 2,384 sqft |
| Basement Area | 1,080 sqft |
| Unfinished Basement | 1,080 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 38,900 sqft (0.893 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 438 HAVERHILL ST |
|---|---|
| City | ROWLEY |
| State | MA |
| Zip | 01969-1903 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OUT |
| Legal Block | 36 |
| Legal Lot Number | 1 |
| Jurisdiction | ROWLEY MA |
| Township / Civil Division | ROWLEY |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 270100 |
438 Haverhill St is owned and occupied by an individual who acquired it in July 2025.
Source: Essex County and Rowley Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 438 HAVERHILL ST, ROWLEY, MA 01969-1903 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 25, 2013 · Amount on File |
| Deed Sale | Oct 25, 2013 · Amount on File |
| Prior Sale | Apr 17, 2013 · Amount on File |
| Deed Book / Page | 32913 / 108 |
| Last Transfer Date | Jul 1, 2025 |
| Transfer Doc | 042810-452 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 438 HAVERHILL ST, ROWLEY, MA 01969-1903 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 036960-102 |
|---|---|
| Date | Aug 24, 2018 |
| Book Page | 36960/102 |
| Instrument | 180824000350 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2048 |
The 2026 property tax bill for 438 Haverhill St was $6,895, up 1.2% from the year before.
Source: Essex County and Rowley Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Rowley Town |
| Unified School District | Triton School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,895.00 (+1.17%) | $570,300 (-1.5%) Land $292,900 Building $277,400 | $595,188 (+12.24%) |
| 2025 | $6,815.00 (+3.95%) | $579,000 (+6.87%) Land $278,900 Building $300,100 | $530,290 |
| 2024 | $6,556.00 (+2.82%) | $541,800 (+10.64%) Land $265,800 Building $276,000 | |
| 2023 | $6,376.00 | $489,700 Land $231,100 Building $258,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 438 Haverhill St in Zone X, an area of minimal flood risk.
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 | 2 in force |
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 risk around 438 Haverhill 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber | 980 / 880 |
May also be available: Astound Broadband, T-Mobile.
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