Essex County and Rowley Town property record for 88 Main St, Rowley, MA 01969
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,466 sqft · built 1846 |
| Lot Size | 0.685 acres (29,835 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $330,000 (Mar 2012) |
| Tax Bill | $9,186 (2026) |
| Deeds & Mortgages | Sep 2021 Refinance Sep 2021 Refinance + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ROWL M:0015 B:0061 L:0000 |
| Primary APN | ROWL M:0015 B:0061 L:0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 3 Stories |
| Building Area | 2,466 sqft Living Area |
| Gross Area | 4,732 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1846 |
|---|---|
| Effective Year Built | Effective 1846 |
| Architectural Style | Historical |
| Exterior Material | Wood Siding |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 29,835 sqft (0.685 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 88 MAIN ST |
|---|---|
| City | ROWLEY |
| State | MA |
| Zip | 01969-1819 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CEN |
| Legal Block | 61 |
| Jurisdiction | ROWLEY MA |
| Township / Civil Division | ROWLEY |
| Census Block Group | 1 |
| Census Block | 1070 |
| 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 | 88 MAIN ST, ROWLEY, MA 01969-1819 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 20, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance THOMAS D HAYWOOD |
| Sep 20, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance THOMAS D HAYWOOD |
| Oct 6, 2020 | Deed of Trust, Mortgage · Line of Credit MERRIMACK VALLEY FCU |
| Jun 8, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance MERRIMACK VALLEY FCU |
| Sep 29, 2020 | Deed of Trust, Mortgage · Line of Credit MERRIMACK VALLEY FCU |
| Jun 23, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 30, 2012 · Amount on Record |
| Deed Sale | Mar 30, 2012 · Amount on Record |
| Prior Sale | Nov 19, 2010 · Amount on Record |
| Deed Book / Page | 31215 / 261 |
| Transfer Doc | 031215-261 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 88 MAIN ST, ROWLEY, MA 01969-1819 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 040295-352 |
|---|---|
| Date | Sep 20, 2021 |
| Book Page | 40295/352 |
| Instrument | 20210920005140 |
| Name | THOMAS D HAYWOOD |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 88 MAIN ST, ROWLEY, MA 01969-1819 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2021 |
| Name | Verified Name |
|---|
| Document Number | 40295-352 |
|---|---|
| Date | Sep 20, 2021 |
| Book Page | 40295/352 |
| Instrument | 20210920005140 |
| Name | THOMAS D HAYWOOD |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 88 MAIN ST, ROWLEY, MA 01969-1819 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 39026-466 |
|---|---|
| Date | Oct 6, 2020 |
| Book Page | 39026/466 |
| Instrument | 20201006004280 |
| Name | MERRIMACK VALLEY FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Nov 1, 2045 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 88 MAIN ST, ROWLEY, MA 01969-1819 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38589-340 |
|---|---|
| Date | Jun 8, 2020 |
| Book Page | 38589/340 |
| Instrument | 20200608001540 |
| Name | MERRIMACK VALLEY FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 88 MAIN ST, ROWLEY, MA 01969-1819 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38994-303 |
|---|---|
| Date | Sep 29, 2020 |
| Book Page | 38994/303 |
| Instrument | 20200929003810 |
| Name | MERRIMACK VALLEY FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Oct 1, 2045 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 88 MAIN ST, ROWLEY, MA 01969-1819 |
| Document Number | 35998-286 |
| Instrument Date | Jun 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2018 |
| Name | Verified Name |
|---|
| Document Number | 35998-286 |
|---|---|
| Date | Jul 6, 2017 |
| Book Page | 035998/000286 |
| Instrument | 1707060008 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 5, 2047 |
| Rate Type | Adjustable Rate |
|---|
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 | $9,186.00 (+10.86%) | $759,800 (+7.93%) Land $297,800 Building $462,000 | $761,826 (+13.23%) |
| 2025 | $8,286.00 (+0.69%) | $704,000 (+3.51%) Land $283,600 Building $420,400 | $672,790 |
| 2024 | $8,229.00 (+7.47%) | $680,100 (+15.64%) Land $270,100 Building $410,000 | |
| 2023 | $7,657.00 | $588,100 Land $234,800 Building $353,300 |
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 118 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures