Essex County and Rowley Town property record for 77 Saunders Ln, Rowley, MA 01969
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,168 sqft · built 1998 |
| Lot Size | 0.918 acres (40,003 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $829,000 (Oct 2020) |
| Tax Bill | $13,100 (2026) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage Mar 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | ROWL M:0023 B:0086 L:0012 |
| Primary APN | ROWL M:0023 B:0086 L:0012 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,168 sqft Living Area |
| Gross Area | 5,685 sqft |
| Basement Area | 914 sqft |
| Unfinished Basement | 914 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 40,003 sqft (0.918 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 77 SAUNDERS LN |
|---|---|
| City | ROWLEY |
| State | MA |
| Zip | 01969-1744 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OUT |
| Legal Block | 86 |
| Legal Lot Number | 12 |
| Jurisdiction | ROWLEY MA |
| Township / Civil Division | ROWLEY |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 270100 |
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 | 77 SAUNDERS LN, ROWLEY, MA 01969-1744 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 29, 2020 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Mar 10, 2017 | Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY & |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 29, 2020 · Amount on Record |
| Deed Sale | Oct 29, 2020 · Amount on Record |
| Prior Sale | Oct 28, 1998 · Amount on Record |
| Deed Book / Page | 39118 / 11 |
| Prior Transfer Date | Oct 26, 2020 |
| Prior Transfer Doc | 3911000011 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ROWLEY MA |
| Recording Date | Oct 29, 2020 |
| Property Address | 77 SAUNDERS LN, ROWLEY, MA 01969-1744 |
| Document Number | 39118-11 |
| Book / Page | 39118 / 11 |
| Instrument Date | Oct 26, 2020 |
| Instrument | 20201029004550 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Address | 77 SAUNDERS LN, ROWLEY, MA 01969-1744 |
| Document Number | 201029004560 |
|---|---|
| Date | Oct 29, 2020 |
| Instrument | 201029004560 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 77 SAUNDERS LN, ROWLEY, MA 01969-1744 |
| Document Number | 35734-297 |
| Book / Page | 035734 / 000297 |
| Instrument Date | Mar 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Document Number | 35734-297 |
|---|---|
| Date | Mar 15, 2017 |
| Book Page | 035734/000297 |
| Instrument | 1703150225 |
| Name | MORGAN STANLEY & |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 14, 2047 |
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 | $13,100.00 (+12.06%) | $1,083,500 (+9.09%) Land $426,300 Building $657,200 | $1,172,836 (+17.53%) |
| 2025 | $11,690.00 (+1.84%) | $993,200 (+4.69%) Land $336,000 Building $657,200 | $997,880 |
| 2024 | $11,479.00 (+0.13%) | $948,700 (+7.75%) Land $320,200 Building $628,500 | |
| 2023 | $11,464.00 | $880,500 Land $278,400 Building $602,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 134 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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