Essex County and Rowley Town property record for 89 Kittery Ave, Rowley, MA 01969
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,882 sqft · built 1989 |
| Lot Size | 2.72 acres (118,806 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,050,000 (Aug 2025) |
| Tax Bill | $12,627 (2026) |
| Deeds & Mortgages | Aug 2025 Sale & Mortgage Dec 2019 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ROWL M:0031 B:0021 L:0027 |
| Primary APN | ROWL M:0031 B:0021 L:0027 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 3 Stories |
| Building Area | 3,882 sqft Living Area |
| Gross Area | 7,212 sqft |
| Basement Area | 1,276 sqft |
| Unfinished Basement | 1,276 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Foundation Type | Raised |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 118,806 sqft (2.72 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 89 KITTERY AVE |
|---|---|
| City | ROWLEY |
| State | MA |
| Zip | 01969-1013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CCD |
| Legal Block | 21 |
| Legal Lot Number | 27 |
| Jurisdiction | ROWLEY MA |
| Township / Civil Division | ROWLEY |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 270100 |
89 Kittery Ave is owned and occupied by two individuals who bought it in August 2025.
Source: Essex County and Rowley Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 89 KITTERY AVE, ROWLEY, MA 01969-1013 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 11, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage T2 FINANCIAL LLC |
| Dec 12, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance TD BANK NA |
| Sep 10, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance TD BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 11, 2025 · Amount on File |
| Deed Sale | Aug 11, 2025 · Amount on File |
| Prior Sale | Jul 31, 2007 |
| Deed Book / Page | 42880 / 61 |
| Prior Transfer Date | Aug 8, 2025 |
| Prior Transfer Doc | 0042880-61 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ROWLEY MA |
| Recording Date | Aug 11, 2025 |
| Property Address | 89 KITTERY AVE, ROWLEY, MA 01969-1013 |
| Document Number | 0042880-61 |
| Book / Page | 42880 / 61 |
| Instrument Date | Aug 8, 2025 |
| Instrument | 20250811000380 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Amount | Amount on Record |
|---|---|
| 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 |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 89 KITTERY AVE, ROWLEY, MA 01969-1013 |
| Document Number | 20250811000390 |
|---|---|
| Date | Aug 11, 2025 |
| Instrument | 20250811000390 |
| Name | T2 FINANCIAL LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 89 KITTERY AVE, ROWLEY, MA 01969-1013 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38106-222 |
|---|---|
| Date | Dec 12, 2019 |
| Book Page | 38106/222 |
| Instrument | 20191212004780 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jan 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWLEY MA |
| Property Address | 89 KITTERY AVE, ROWLEY, MA 01969-1013 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38920-309 |
|---|---|
| Date | Sep 10, 2020 |
| Book Page | 38920/309 |
| Instrument | 20200910002280 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
The 2026 property tax bill for 89 Kittery Ave was $12,627, up 4.6% from the year before.
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 | $12,627.00 (+4.58%) | $1,044,400 (+1.81%) Land $399,400 Building $645,000 | $1,162,191 (+17.81%) |
| 2025 | $12,074.00 (-0.35%) | $1,025,800 (+2.45%) Land $365,500 Building $660,300 | $986,480 |
| 2024 | $12,116.00 (+2.9%) | $1,001,300 (+10.71%) Land $348,100 Building $653,200 | |
| 2023 | $11,775.00 | $904,400 Land $300,600 Building $603,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 89 Kittery Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 AE, 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 risk around 89 Kittery Ave 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.
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 27 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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