441 Central St, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 441 Central St, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,736 sqft · built 1998
Lot Size	1.28 acres (56,052 sqft)
Owner	Individual Name on Record
Last Sale	$47,500 (Dec 1984)
Tax Bill	$10,453 (2025)
Deeds & Mortgages	Feb 2017 Line of Credit Nov 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0021 B:0033 L:0001A`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0021 B:0033 L:0001A`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,736 sqft Living Area
Gross Area	6,104 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	56,052 sqft (1.28 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	441 CENTRAL ST
City	ROWLEY
State	MA
Zip	01969
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	33
Legal Lot Number	1A
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	1
Census Block	1033
Census Tract	270100

Owner

Source: Essex County and Rowley Town records, as of July 20, 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 Record
Mailing Address	PO BOX 107, ROWLEY, MA 01969-0207
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2017	Deed of Trust, Mortgage · Line of Credit LOWELL FIVE CENTS SAVINGS BANK
Nov 9, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LOWELL FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 1984 · Amount on Record
Deed Sale	Dec 21, 1984 · Amount on Record
Deed Book / Page	7614 / 376
Record Updated	Sep 20, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	441 CENTRAL ST, ROWLEY, MA 01969
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35667-577
Date	Feb 8, 2017
Book Page	35667/577
Instrument	39

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	441 CENTRAL ST, ROWLEY, MA 01969
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39158-14
Date	Nov 9, 2020
Book Page	39158/14
Instrument	20201109002790

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

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
2025	$10,453.00 (+9.93%)	$888,100 (+13%) Land $298,500 Building $589,600	$781,755
2024	$9,509.00 (-0.72%)	$785,900 (+6.84%) Land $284,300 Building $501,600
2023	$9,578.00	$735,600 Land $247,100 Building $488,500

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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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