95 Main St, Rowley, MA 01969 Property Records

Essex County and Rowley Town property record for 95 Main St, Rowley, MA 01969

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	5 bd · 2 ba · 2,738 sqft · built 1899
Lot Size	0.627 acres (27,322 sqft)
Owner	Trust Name on Record
Tax Bill	$7,266 (2026)
Deeds & Mortgages	Aug 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`ROWL M:0025 B:0093 L:0000`

Property Details

APN / Parcel Number

Primary APN	`ROWL M:0025 B:0093 L:0000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	3 Stories
Building Area	2,738 sqft Total Area
Basement Area	1,398 sqft
Unfinished Basement	1,398 sqft

Exterior

Year Built	Built 1899
Effective Year Built	Effective 1899
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,322 sqft (0.627 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	95 MAIN ST
City	ROWLEY
State	MA
Zip	01969-1800
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	CEN
Legal Block	93
Jurisdiction	ROWLEY MA
Township / Civil Division	ROWLEY
Census Block Group	1
Census Block	1069
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	Trust Name on Record
Mailing Address	95 MAIN ST, ROWLEY, MA 01969-1800
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2014
Deed Sale	May 28, 2014
Deed Document Number	201452800206
Deed Book / Page	33299 / 134
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWLEY MA
Property Address	95 MAIN ST, ROWLEY, MA 01969-1800
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38828-258
Date	Aug 17, 2020
Book Page	38828/258
Instrument	20200817002390

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 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	$7,266.00 (-9.24%)	$601,000 (-11.64%) Land $157,600 Building $443,400	$622,033 (-43.3%)
2025	$8,006.00 (-0.46%)	$680,200 (+2.33%) Land $197,000 Building $483,200	$1,097,155
2024	$8,043.00 (-2.77%)	$664,700 (+4.63%) Land $197,000 Building $467,700
2023	$8,272.00	$635,300 Land $197,000 Building $438,300

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	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.

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 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