646 Wethersfield St, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 646 Wethersfield St, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,276 sqft · built 1977
Lot Size	1.53 acres (66,970 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Mar 2013)
Tax Bill	$7,527 (2026)
Deeds & Mortgages	Apr 2022 Refinance Feb 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0011 B:0006 L:0002`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0011 B:0006 L:0002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,276 sqft Living Area
Gross Area	2,794 sqft
Basement Area	1,232 sqft
Unfinished Basement	1,232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	66,970 sqft (1.53 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	646 WETHERSFIELD ST
City	ROWLEY
State	MA
Zip	01969-1640
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OUT
Legal Block	6
Legal Lot Number	2
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	3
Census Block	3007
Census Tract	270100

Owner

Source: Essex County and Rowley Town records, as of October 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	646 WETHERSFIELD ST, ROWLEY, MA 01969-1640
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE CENTS SAVINGS BANK
Feb 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK
Feb 24, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE CENTS SAVINGS BANK
Nov 2, 2018	Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2013 · Amount on Record
Deed Sale	Mar 29, 2013 · Amount on Record
Prior Sale	Jan 16, 2004 · Amount on Record
Deed Book / Page	32335 / 28
Transfer Doc	0032335-28
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	646 WETHERSFIELD ST, ROWLEY, MA 01969-1640
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040883-65
Date	Apr 22, 2022
Book Page	40883/65
Instrument	20220422001860

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	646 WETHERSFIELD ST, ROWLEY, MA 01969-1640
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039581-149
Date	Feb 26, 2021
Book Page	39581/149
Instrument	20210226005280

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	646 WETHERSFIELD ST, ROWLEY, MA 01969-1640
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042585-188
Date	Feb 24, 2025
Book Page	42585/188
Instrument	20250224000420

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2045

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	646 WETHERSFIELD ST, ROWLEY, MA 01969-1640
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37128-560
Date	Nov 2, 2018
Book Page	37128/560
Instrument	181102003810

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

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
2026	$7,527.00 (+5.85%)	$622,600 (+3.05%) Land $320,100 Building $302,500	$662,276 (+17.22%)
2025	$7,111.00 (+1.38%)	$604,200 (+4.23%) Land $305,000 Building $299,200	$564,965
2024	$7,014.00 (+4.97%)	$579,700 (+12.96%) Land $290,500 Building $289,200
2023	$6,682.00	$513,200 Land $252,200 Building $261,000

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

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

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	Under 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 108 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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