Essex County and Rowley Town property record for 5 Trowbridge Cir, Rowley, MA 01969
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,963 sqft · built 1990 |
| Lot Size | 1.12 acres (48,834 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $122,500 (Mar 1990) |
| Tax Bill | $11,057 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Jan 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | ROWL M:0014 B:0009 L:0031 |
| Primary APN | ROWL M:0014 B:0009 L:0031 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,963 sqft Living Area |
| Gross Area | 5,279 sqft |
| Basement Area | 1,489 sqft |
| Unfinished Basement | 1,489 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Contemporary |
| Exterior Material | Wood Siding |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 48,834 sqft (1.12 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 5 TROWBRIDGE CIR |
|---|---|
| City | ROWLEY |
| State | MA |
| Zip | 01969-2103 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 9 |
| Legal Lot Number | 31 |
| Jurisdiction | ROWLEY MA |
| Township / Civil Division | ROWLEY |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 270100 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5 TROWBRIDGE CIR, ROWLEY, MA 01969-2103 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 29, 2022 | Deed of Trust, Mortgage · ARM FINANCE AMERICA LLC |
| Jan 17, 2020 | Deed of Trust, Mortgage · ARM FINANCE AMERICA LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 13, 1990 · Amount on Record |
| Deed Sale | Mar 13, 1990 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 5 TROWBRIDGE CIR, ROWLEY, MA 01969-2103 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2022 |
| Name | Verified Name |
|---|
| Document Number | 040900-562 |
|---|---|
| Date | Apr 29, 2022 |
| Book Page | 40900/562 |
| Instrument | 20220429004560 |
| Name | FINANCE AMERICA LLC |
|---|---|
| Type | Subprime Lender |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 925 Months |
| Due | May 1, 2099 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.19% |
| Type Change Date | Jun 1, 2022 |
| Index | Other |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 5 TROWBRIDGE CIR, ROWLEY, MA 01969-2103 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38198-486 |
|---|---|
| Date | Jan 17, 2020 |
| Book Page | 38198/486 |
| Instrument | 20200117001310 |
| Name | FINANCE AMERICA LLC |
|---|---|
| Type | Subprime Lender |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | Feb 1, 2021 |
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 |
|---|---|---|---|
| 2025 | $11,057.00 (-0.3%) | $939,400 (+2.5%) Land $348,200 Building $591,200 | $914,755 |
| 2024 | $11,090.00 (+5.24%) | $916,500 (+13.23%) Land $331,700 Building $584,800 | |
| 2023 | $10,538.00 | $809,400 Land $288,400 Building $521,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 33 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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