50 Cross St, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 50 Cross St, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,680 sqft · built 2013
Lot Size	7.83 acres (341,398 sqft)
Owner	Individual Name on File
Last Sale	$630,000 (Aug 2018)
Tax Bill	$12,375 (2026)
Deeds & Mortgages	Apr 2022 Refinance Sep 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0024 B:0044 L:0001`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0024 B:0044 L:0001`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	3 Stories
Building Area	3,680 sqft Living Area
Gross Area	6,068 sqft
Basement Area	728 sqft
Unfinished Basement	728 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	341,398 sqft (7.83 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	50 CROSS ST
City	ROWLEY
State	MA
Zip	01969-1408
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OUT
Legal Block	44
Legal Lot Number	1
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	1
Census Block	1035
Census Tract	270100

Owner

50 Cross St is owned and occupied by an individual who bought it in August 2018.

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

Owner of Record	Individual Name on File
Mailing Address	50 CROSS ST, ROWLEY, MA 01969-1408
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
Apr 6, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 16, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 1, 2018	Quit Claim Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2018 · Amount on File
Deed Sale	Aug 1, 2018 · Amount on File
Prior Sale	Feb 14, 2014 · Amount on File
Deed Book / Page	36909 / 262
Transfer Doc	036909-262
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	50 CROSS ST, ROWLEY, MA 01969-1408
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040845-15
Date	Apr 6, 2022
Book Page	40845/15
Instrument	20220406001130

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	50 CROSS ST, ROWLEY, MA 01969-1408
Transaction Type	Mortgage
Record Updated	Mar 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37844-246
Date	Sep 16, 2019
Book Page	37844/246
Instrument	20190916003170

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	Aug 1, 2018
Property Address	50 CROSS ST, ROWLEY, MA 01969-1408
Document Number	36909-262
Book / Page	36909 / 262
Instrument	180801002750
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$91.34
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 CROSS ST, ROWLEY, MA 01969-1408

Mortgage

Document Number	369090264
Date	Aug 1, 2018
Instrument	36909/0264

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 50 Cross St was $12,375, up 4.4% 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	$12,375.00 (+4.44%)	$1,023,600 (+1.68%) Land $360,600 Building $663,000	$1,201,908 (+32.99%)
2025	$11,849.00 (+1.85%)	$1,006,700 (+4.7%) Land $343,700 Building $663,000	$903,735
2024	$11,634.00 (+2.21%)	$961,500 (+9.97%) Land $327,400 Building $634,100
2023	$11,383.00	$874,300 Land $279,900 Building $594,400

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

Flood

FEMA maps place 50 Cross St 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 · OpenFEMA NFIP redacted claims and policies, as of September 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
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 50 Cross 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.

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 58 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cross St

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