Essex County and Rowley Town property record for 53 Emily Ln, Rowley, MA 01969
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,762 sqft · built 2006 |
| Lot Size | 2.05 acres (89,621 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $949,900 (Jan 2026) |
| Tax Bill | $12,279 (2026) |
| Deeds & Mortgages | Mar 2021 Refinance Jul 2021 Line of Credit + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ROWL M:0009 B:0023 L:0023 |
| Primary APN | ROWL M:0009 B:0023 L:0023 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,762 sqft Living Area |
| Gross Area | 4,356 sqft |
| Basement Area | 560 sqft |
| Unfinished Basement | 560 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 89,621 sqft (2.05 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 53 EMILY LN |
|---|---|
| City | ROWLEY |
| State | MA |
| Zip | 01969-2235 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OUT |
| Legal Block | 23 |
| Legal Lot Number | 23 |
| Jurisdiction | ROWLEY MA |
| Township / Civil Division | ROWLEY |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 270100 |
53 Emily Ln is owned and occupied by two individuals who bought it in January 2026.
Source: Essex County and Rowley Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 53 EMILY LN, ROWLEY, MA 01969-2235 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 31, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance STEARNS LENDING INC |
| Jul 21, 2021 | Deed of Trust, Mortgage · Line of Credit EASTERN BANK |
| Jan 15, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage SALEM FIVE MORTGAGE CORP |
| Jan 12, 2024 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Dec 5, 2019 | Deed of Trust, Mortgage · Balloon Mortgage EASTERN BANK |
| Jul 30, 2019 | Deed of Trust, Mortgage · Balloon Mortgage EASTERN BANK |
| Sep 19, 2019 | Deed of Trust, Mortgage · Conventional Mortgage STEARNS LNDG |
| Apr 1, 2019 | Quit Claim Deed, Transfer · Conventional Mortgage STEARNS LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 15, 2026 · Amount on File |
| Deed Sale | Jan 15, 2026 · Amount on File |
| Prior Sale | Jan 12, 2024 · Amount on File |
| Deed Document Number | 20261030 |
| Deed Book / Page | 43180 / 217 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 53 EMILY LN, ROWLEY, MA 01969-2235 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 039715-573 |
|---|---|
| Date | Mar 31, 2021 |
| Book Page | 39715/573 |
| Instrument | 20210331006400 |
| Name | STEARNS LENDING INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 53 EMILY LN, ROWLEY, MA 01969-2235 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 040100-119 |
|---|---|
| Date | Jul 21, 2021 |
| Book Page | 40100/119 |
| Instrument | 20210721000040 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ROWLEY MA |
| Recording Date | Jan 15, 2026 |
| Property Address | 53 EMILY LN, ROWLEY, MA 01969-2235 |
| Document Number | 043180-217 |
| Book / Page | 43180 / 217 |
| Instrument Date | Jan 15, 2026 |
| Instrument | 20260115001030 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 53 EMILY LN, ROWLEY, MA 01969-2235 |
| Document Number | 20260115001040 |
|---|---|
| Date | Jan 15, 2026 |
| Instrument | 20260115001040 |
| Name | SALEM FIVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Feb 1, 2033 |
| Index | 1-Year CMT |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ROWLEY MA |
| Recording Date | Jan 12, 2024 |
| Property Address | 53 EMILY LN, ROWLEY, MA 01969-2235 |
| Document Number | 041948-120 |
| Book / Page | 41948 / 120 |
| Instrument Date | Jan 12, 2024 |
| Instrument | 20240112003050 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 53 EMILY LN, ROWLEY, MA 01969-2235 |
| Document Number | 240112003060 |
|---|---|
| Date | Jan 12, 2024 |
| Instrument | 240112003060 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 53 EMILY LN, ROWLEY, MA 01969-2235 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38085-567 |
|---|---|
| Date | Dec 5, 2019 |
| Book Page | 38085/567 |
| Instrument | 20191205000100 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 53 EMILY LN, ROWLEY, MA 01969-2235 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 37706-474 |
|---|---|
| Date | Jul 30, 2019 |
| Book Page | 37706/474 |
| Instrument | 20190730000550 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 53 EMILY LN, ROWLEY, MA 01969-2235 |
| Document Number | 37938-113 |
| Instrument Date | Sep 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 53 EMILY LN ROWLEY MA 019692235, ROWLEY, MA 01969-2235 |
| Document Number | 37938-113 |
|---|---|
| Date | Oct 16, 2019 |
| Book Page | 037938/000113 |
| Instrument | 1016003820 |
| Name | STEARNS LNDG |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 15, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ROWLEY MA |
| Recording Date | Apr 1, 2019 |
| Property Address | 53 EMILY LN, ROWLEY, MA 01969-2235 |
| Document Number | 37416-259 |
| Book / Page | 037416 / 000259 |
| Instrument Date | Mar 28, 2019 |
| Instrument | 1003000 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,690.40 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 53 EMILY LN ROWLEY MA 019692235, ROWLEY, MA 01969-2235 |
| Document Number | 37416-262 |
|---|---|
| Date | Apr 1, 2019 |
| Book Page | 037416/000262 |
| Instrument | 1003010 |
| Name | STEARNS LNDG |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 31, 2049 |
The 2026 property tax bill for 53 Emily Ln was $12,279, up 12.1% from the year before.
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 |
|---|---|---|---|
| 2026 | $12,279.00 (+12.08%) | $1,015,600 (+9.11%) Land $470,100 Building $545,500 | $945,912 (+1.8%) |
| 2025 | $10,956.00 (+1.86%) | $930,800 (+4.71%) Land $366,100 Building $564,700 | $929,195 |
| 2024 | $10,756.00 (+2.17%) | $888,900 (+9.93%) Land $348,700 Building $540,200 | |
| 2023 | $10,528.00 | $808,600 Land $302,000 Building $506,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 53 Emily Ln 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 risk around 53 Emily Ln is low, with less than 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 97% of the US · lower than 94% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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.
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 75 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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