7 Clay Ln, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 7 Clay Ln, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,208 sqft · built 1998
Lot Size	0.937 acres (40,794 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Oct 2001)
Tax Bill	$11,030 (2026)
Deeds & Mortgages	Aug 2022 Line of Credit Jul 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0020 B:0003 L:0045`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0020 B:0003 L:0045`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,208 sqft Living Area
Gross Area	4,438 sqft
Basement Area	804 sqft
Unfinished Basement	804 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,794 sqft (0.937 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	7 CLAY LN
City	ROWLEY
State	MA
Zip	01969-1632
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OUT
Legal Subdivision	WELDON FARM ROAD
Legal Block	3
Legal Lot Number	45
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	1
Census Block	1058
Census Tract	270100

Owner

7 Clay Ln is owned and occupied by two individuals who bought it in October 2001.

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

Owner of Record	2 Individual Names on File
Mailing Address	7 CLAY LN, ROWLEY, MA 01969-1632
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
Aug 23, 2022	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Jul 24, 2017	Deed of Trust, Mortgage SANTANDER BANK NA
Sep 25, 2017	Deed of Trust, Mortgage FIRST IPSWICH BANK
Nov 16, 2018	Deed of Trust, Mortgage · Closed-End Mortgage FIRST IPSWICH BANK
Dec 16, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTY HOME MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2001 · Amount on File
Deed Sale	Oct 4, 2001 · Amount on File
Prior Sale	Nov 23, 1998 · Amount on File
Deed Book / Page	17728 / 345
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	7 CLAY LN, ROWLEY, MA 01969-1632
Transaction Type	Mortgage
Record Updated	Sep 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041147-273
Date	Aug 23, 2022
Book Page	41147/273
Instrument	329

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	7 CLAY LN, ROWLEY, MA 01969-1632
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36041-120
Date	Jul 24, 2017
Book Page	36041/120
Instrument	237

Lender

Name	SANTANDER BANK NA

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	7 CLAY LN, ROWLEY, MA 01969-1632
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36199-129
Date	Sep 25, 2017
Book Page	36199/129
Instrument	61

Lender

Name	FIRST IPSWICH BANK

Agreement

Amount	Amount on Record

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	7 CLAY LN, ROWLEY, MA 01969-1632
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37156-513
Date	Nov 16, 2018
Book Page	37156/513
Instrument	181116000050

Lender

Name	FIRST IPSWICH BANK

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	7 CLAY LN, ROWLEY, MA 01969-1632
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39303-592
Date	Dec 16, 2020
Book Page	39303/592
Instrument	20201216003400

Lender

Name	GUARANTY HOME MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 7 Clay Ln was $11,030, up 18.1% 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	$11,030.00 (+18.08%)	$912,300 (+14.96%) Land $427,700 Building $484,600	$928,137 (-0.31%)
2025	$9,341.00 (+1.84%)	$793,600 (+4.7%) Land $309,000 Building $484,600	$931,000
2024	$9,172.00 (-0.3%)	$758,000 (+7.27%) Land $294,400 Building $463,600
2023	$9,200.00	$706,600 Land $256,000 Building $450,600

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

Flood

FEMA maps place 7 Clay Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.

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	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 7 Clay Ln 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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