48 Oyster Point Rd, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 48 Oyster Point Rd, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,188 sqft · built 1970
Lot Size	0.443 acres (19,300 sqft)
Owner	Individual Name on File
Last Sale	$234,900 (Jun 2012)
Tax Bill	$6,675 (2026)
Deeds & Mortgages	Mar 2017 Mortgage Jun 2020 Refinance
Flood Zone	Zone AE (high risk)
APN	`ROWL M:0027 B:0088 L:0000`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0027 B:0088 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,188 sqft Living Area
Gross Area	3,120 sqft
Basement Area	1,152 sqft
Unfinished Basement	1,152 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Wood Siding
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,300 sqft (0.443 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	48 OYSTER POINT RD
City	ROWLEY
State	MA
Zip	01969-1204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CCD
Legal Block	88
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	1
Census Block	1022
Census Tract	270100

Owner

48 Oyster Point Rd is owned and occupied by an individual who bought it in June 2012.

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

Owner of Record	Individual Name on File
Mailing Address	48 OYSTER POINT RD, ROWLEY, MA 01969-1204
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
Mar 28, 2017	Deed of Trust, Mortgage SALEM FIVE MTG CO
Jun 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2012 · Amount on File
Deed Sale	Jun 12, 2012 · Amount on File
Prior Sale	Aug 20, 1996 · Amount on File
Deed Book / Page	31422 / 16
Transfer Doc	0031422-16
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	48 OYSTER POINT RD, ROWLEY, MA 01969-1204
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35760-63
Date	Mar 28, 2017
Book Page	35760/63
Instrument	132

Lender

Name	SALEM FIVE MTG CO

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	48 OYSTER POINT RD, ROWLEY, MA 01969-1204
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38643-144
Date	Jun 24, 2020
Book Page	38643/144
Instrument	20200624001760

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 48 Oyster Point Rd was $6,675, down 0.1% 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	$6,675.00 (-0.06%)	$552,100 (-2.71%) Land $270,200 Building $281,900	$553,171 (+20.61%)
2025	$6,679.00 (+4.08%)	$567,500 (+7.01%) Land $257,300 Building $310,200	$458,660
2024	$6,417.00 (+2.84%)	$530,300 (+10.64%) Land $245,000 Building $285,300
2023	$6,240.00	$479,300 Land $213,100 Building $266,200

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

Flood

FEMA maps place 48 Oyster Point Rd 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	13.0 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 48 Oyster Point 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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