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Single Family ResidenceResidential
$999,711$401 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $810,000 on May 20, 2021

278 CENTRAL ST

ROWLEY, MA 01969
3
Beds
2.5
Baths
2,496 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
8.85 ac
Lot SizeThe size of the land the home sits on, from county records.
1994
Year BuiltThe year the home was originally built, according to county records.
3
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$1000K
$944K low$1.1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$810,000 · May 20, 2021
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$182,561
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$146,049
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.80%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$688,500
RESIDENTIAL MORTGAGE SERVICES · P · recorded May 20, 2021
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$128,650
CAMBRIDGE SAVINGS BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$10,820 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$919,300 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$387,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$531,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$945,915

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.67 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.0.2 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Colonial
CountyESSEX
Lot (acres)The size of the land the home sits on, from county records.8.85
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(6)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Pine Grove SchoolA-
Elementary · Grades PK–6 · 1.3 mi
M
Triton Middle SchoolB-
Middle · Grades 7–8 · 1.7 mi
H
Triton High SchoolB-
High · Grades 9–12 · 1.7 mi

District: Triton School District

Neighborhood · ZIP 01969These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.36
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.90
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.96

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.28%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.1.1%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.6,268
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.305 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$136,349
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$183,464
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.48 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

278 Central St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 80% of homes in Essex County
  • Bigger than 74% of homes in Essex County
  • Has a bigger lot than 98% of homes in Essex County
  • Newer than 85% of homes in Essex County

What homes are worth in Rowley 01969

Each bar is how many homes fall in that price range. The marker is this home.

This home
$253K$1.3M

This home is worth more than 79% of homes in Rowley 01969.

How it measures up in Rowley 01969

The dot is this home. The mark in the middle is the typical home in Rowley 01969.

Estimated value$999,711
CheaperTypical $786,144Pricier

Pricier than 79% of homes nearby

Price per ft²$401
CheaperTypical $389Pricier

Pricier than 57% of homes nearby

Living area2,496 ft²
SmallerTypical 2,124 ft²Bigger

Bigger than 68% of homes nearby

Lot size8.85 ac
SmallerTypical 1 acBigger

Bigger than 97% of homes nearby

Year built1994
OlderTypical 1982Newer

Newer than 68% of homes nearby

How 278 Central St ranks against every home in each area.
MeasureThis homeRowley 01969Essex County
Estimated valuepricier than$999,71179% of homes80% of homes
Price per ft²pricier than$40157% of homes47% of homes
Living areabigger than2,496 ft²68% of homes74% of homes
Lot sizebigger than8.85 ac97% of homes98% of homes
Year builtnewer than199468% of homes85% of homes

About 278 Central St

How much is 278 Central St, Rowley, MA worth?

The TopHap Estimate for 278 Central St, Rowley, MA is $999,711 as of Jul 14, 2026. The likely range is $943,509 to $1,055,913. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 278 Central St, Rowley, MA last sell?

278 Central St, Rowley, MA last sold on May 20, 2021 for $810,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 278 Central St, Rowley, MA?

278 Central St, Rowley, MA has 3 bedrooms, 2.5 bathrooms, 2,496 square feet of living space and a 8.85-acre lot.

When was 278 Central St, Rowley, MA built?

278 Central St, Rowley, MA was built in 1994, making it 32 years old. It is a colonial home. The building has 3 stories.

What schools serve 278 Central St, Rowley, MA?

278 Central St, Rowley, MA is assigned to Pine Grove School (elementary), rated A-; Triton Middle School (middle), rated B-; Triton High School (high), rated B-. All sit in Triton School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 278 Central St, Rowley, MA compare to other homes in Rowley 01969?

Among the 2,137 homes in Rowley 01969, it is worth more than 79% of them ($999,711 against a typical $786,144), its price per square foot is higher than 57% of them ($401 against a typical $389), it is bigger than 68% of them (2,496 ft² against a typical 2,124 ft²), its lot is bigger than 97% of them (8.85 ac against a typical 1 ac) and it is newer than 68% of them (1994 against a typical 1982). Measured against all of Essex County, it is worth more than 80% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 278 Central St, Rowley, MA?

The 2025 property tax bill for 278 Central St, Rowley, MA was $10,820. The county assessed it at $919,300.

More homes on Central St

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