Essex County and Rowley Town property record for 95 Cross St, Rowley, MA 01969
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,312 sqft · built 2005 |
| Lot Size | 7.84 acres (341,833 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $13,153 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | ROWL M:0027 B:0013 L:0000 |
| Primary APN | ROWL M:0027 B:0013 L:0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,312 sqft Living Area |
| Gross Area | 6,279 sqft |
| Basement Area | 1,160 sqft |
| Unfinished Basement | 1,160 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 341,833 sqft (7.84 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 95 CROSS ST |
|---|---|
| City | ROWLEY |
| State | MA |
| Zip | 01969-1413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OUT |
| Legal Block | 13 |
| Jurisdiction | ROWLEY MA |
| Township / Civil Division | ROWLEY |
| Census Block Group | 1 |
| Census Block | 1048 |
| Census Tract | 270100 |
95 Cross St is owner-occupied and held in a trust since February 2025.
Source: Essex County and Rowley Town records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 95 CROSS ST, ROWLEY, MA 01969-1413 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Feb 19, 2025 |
| Transfer Doc | 042581-509 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 95 Cross St was $13,153, up 4.4% 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 | $13,153.00 (+4.38%) | $1,087,900 (+1.62%) Land $369,200 Building $718,700 | $1,118,653 (+28.83%) |
| 2025 | $12,601.00 (+6.63%) | $1,070,600 (+9.63%) Land $351,900 Building $718,700 | $868,300 |
| 2024 | $11,817.00 (+4.69%) | $976,600 (+12.64%) Land $335,200 Building $641,400 | |
| 2023 | $11,288.00 | $867,000 Land $285,700 Building $581,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 95 Cross St 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 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 risk around 95 Cross St 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 58 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
5G (outdoors only) and 4G LTE
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