49 Spencer Knowles Rd, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 49 Spencer Knowles Rd, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,548 sqft · built 2002
Lot Size	0.679 acres (29,583 sqft)
Owner	2 Trust Names on File
Last Sale	$575,000 (Jun 2007)
Tax Bill	$11,235 (2026)
Deeds & Mortgages	Jul 2019 Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0017 B:0020 L:0033`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0017 B:0020 L:0033`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	2,548 sqft Living Area
Gross Area	5,272 sqft
Basement Area	596 sqft
Unfinished Basement	596 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	29,583 sqft (0.679 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	49 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	33
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	3
Census Block	3000
Census Tract	270100

Owner

49 Spencer Knowles Rd is owner-occupied and held in a trust since July 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	49 SPENCER KNOWLES RD, ROWLEY, MA 01969-1743
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Jul 8, 2019	Deed of Trust, Mortgage · ARM EASTERN BANK
Aug 3, 2020	Deed of Trust, Mortgage · ARM EASTERN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2007 · Amount on File
Deed Sale	Jun 28, 2007 · Amount on File
Prior Sale	Apr 2, 2003 · Amount on File
Last Transfer Date	Jul 30, 2025
Transfer Doc	042861-381
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	49 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	37648-98
Date	Jul 8, 2019
Book Page	37648/98
Instrument	20190708002030

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Type Change Date	Aug 1, 2029

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	49 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	38780-335
Date	Aug 3, 2020
Book Page	38780/335
Instrument	20200803003180

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.13%
Type Change Date	Aug 1, 2030
Index	1-Year CMT

Tax Assessment & Valuation

The 2026 property tax bill for 49 Spencer Knowles Rd was $11,235, up 13.3% 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	$11,235.00 (+13.32%)	$929,300 (+10.33%) Land $410,800 Building $518,500	$984,802 (+1.87%)
2025	$9,914.00 (+5.23%)	$842,300 (+8.18%) Land $323,800 Building $518,500	$966,720
2024	$9,421.00 (+1.84%)	$778,600 (+9.58%) Land $282,700 Building $495,900
2023	$9,251.00	$710,500 Land $245,800 Building $464,700

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

Flood

FEMA maps place 49 Spencer Knowles Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 49 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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