54 Cindy Ln, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 54 Cindy Ln, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,277 sqft · built 2006
Lot Size	0.978 acres (42,599 sqft)
Owner	Individual Name on Record
Last Sale	$1,300,000 (May 2025)
Tax Bill	$15,061 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit Mar 2023 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0006 B:0010 L:0004`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0006 B:0010 L:0004`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,277 sqft Living Area
Gross Area	11,460 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	42,599 sqft (0.978 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	54 CINDY LN
City	ROWLEY
State	MA
Zip	01969-2346
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	10
Legal Lot Number	4
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	2
Census Block	2012
Census Tract	270100

Owner

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	Individual Name on Record
Mailing Address	54 CINDY LN, ROWLEY, MA 01969-2346
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2021	Deed of Trust, Mortgage · Line of Credit HANSCOM FCU
Mar 16, 2023	Deed of Trust, Mortgage · Line of Credit ROCKLAND TRUST CO
May 5, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage DIGITAL FCU
Apr 19, 2017	Deed of Trust, Mortgage INST SVGS NEWBURYPORT
Aug 15, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance HANSCOM FCU
Sep 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Jul 13, 2018	Quit Claim Deed, Transfer · Conventional Mortgage MORTGAGE NTWK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2025 · Amount on Record
Deed Sale	May 5, 2025 · Amount on Record
Prior Sale	Jul 13, 2018
Deed Book / Page	42698 / 529
Transfer Doc	034517-575
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	54 CINDY LN, ROWLEY, MA 01969-2346
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039512-123
Date	Feb 10, 2021
Book Page	39512/123
Instrument	20210210000910

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	54 CINDY LN, ROWLEY, MA 01969-2346
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041478-159
Date	Mar 16, 2023
Book Page	41478/159
Instrument	20230316000470

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	541 Months
Due	Apr 1, 2068

Interest

Rate Type	Adjustable Rate

May 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	May 5, 2025
Property Address	54 CINDY LN, ROWLEY, MA 01969-2346
Document Number	042698-529
Book / Page	42698 / 529
Instrument Date	May 5, 2025
Instrument	20250505002770
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	54 CINDY LN, ROWLEY, MA 01969-2346

Mortgage

Document Number	20250505002800
Date	May 5, 2025
Instrument	20250505002800

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Type Change Date	Jun 1, 2032
Max Rate At Change	3%
Index	Other
Margin	3

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	54 CINDY LN, ROWLEY, MA 01969-2346
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35808-585
Date	Apr 19, 2017
Book Page	35808/585
Instrument	511

Lender

Name	INST SVGS NEWBURYPORT
Type	Bank

Agreement

Amount	Amount Recorded

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	54 CINDY LN, ROWLEY, MA 01969-2346
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37754-401
Date	Aug 15, 2019
Book Page	37754/401
Instrument	20190815000720

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	54 CINDY LN, ROWLEY, MA 01969-2346
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38985-526
Date	Sep 28, 2020
Book Page	38985/526
Instrument	20200928002210

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWLEY MA
Recording Date	Jul 13, 2018
Property Address	54 CINDY LN, ROWLEY, MA 01969-2346
Document Number	36861-389
Book / Page	036861 / 000389
Instrument Date	Jul 9, 2018
Instrument	1807134330
Transaction Type	Transfer
Record Updated	Mar 28, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	54 CINDY LN ROWLEY MA 019692346, ROWLEY, MA 01969-2346

Mortgage

Document Number	36861-393
Date	Jul 13, 2018
Book Page	036861/000393
Instrument	1807134340

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 12, 2048

Tax Assessment & Valuation

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
2025	$15,061.00 (-0.7%)	$1,279,600 (+2.08%) Land $339,600 Building $940,000	$1,225,975
2024	$15,167.00 (+4.95%)	$1,253,500 (+12.94%) Land $323,600 Building $929,900
2023	$14,451.00	$1,109,900 Land $281,300 Building $828,600

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

Flood

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	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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 86% of Massachusetts
Wildfire Likelihood	0.02% 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 59 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 and 4G LTE (outdoors only)

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