78 Saunders Ln, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 78 Saunders Ln, Rowley, MA 01969

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,878 sqft · built 1999
Lot Size	4.49 acres (195,907 sqft)
Owner	2 Individual Names on Record
Last Sale	$665,000 (Nov 2016)
Tax Bill	$13,745 (2026)
Deeds & Mortgages	Dec 2021 Refinance Mar 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0023 B:0086 L:0013`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0023 B:0086 L:0013`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,878 sqft Living Area
Gross Area	4,940 sqft
Basement Area	1,166 sqft
Unfinished Basement	1,166 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	195,907 sqft (4.49 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	78 SAUNDERS LN
City	ROWLEY
State	MA
Zip	01969-1798
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OUT
Legal Subdivision	ROWLEY PINES TRUST
Legal Block	86
Legal Lot Number	13
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	1
Census Block	1042
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	2 Individual Names on Record
Mailing Address	78 SAUNDERS LN, ROWLEY, MA 01969-1798
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance EASTERN BANK
Mar 12, 2024	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
May 9, 2018	Deed of Trust, Mortgage EASTERN BANK
Mar 31, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance EASTERN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2016 · Amount on Record
Deed Sale	Nov 30, 2016 · Amount on Record
Prior Sale	Jan 31, 2011 · Amount on Record
Deed Book / Page	35489 / 251
Transfer Doc	035489-251
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	78 SAUNDERS LN, ROWLEY, MA 01969-1798
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	040594-268
Date	Dec 21, 2021
Book Page	40594/268
Instrument	20211221000990

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	78 SAUNDERS LN, ROWLEY, MA 01969-1798
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	042019-317
Date	Mar 12, 2024
Book Page	42019/317
Instrument	20240312000060

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	78 SAUNDERS LN, ROWLEY, MA 01969-1798
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36704-93
Date	May 9, 2018
Book Page	36704/93
Instrument	180509000840

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	78 SAUNDERS LN, ROWLEY, MA 01969-1798
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38379-128
Date	Mar 31, 2020
Book Page	38379/128
Instrument	20200331000770

Lender

Name	EASTERN BANK
Type	Bank

Agreement

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

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	$13,745.00 (+12.56%)	$1,136,900 (+9.58%) Land $502,300 Building $634,600	$1,147,491 (+17.75%)
2025	$12,211.00 (+0.49%)	$1,037,500 (+3.31%) Land $402,900 Building $634,600	$974,510
2024	$12,152.00 (+2.45%)	$1,004,300 (+10.24%) Land $383,700 Building $620,600
2023	$11,861.00	$911,000 Land $329,100 Building $581,900

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	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

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 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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