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Single Family ResidenceResidential
$563,585$499 / 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 96How 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 $145,000 on Jan 20, 1993

430 CENTRAL ST

ROWLEY, MA 01969
2
Beds
1.5
Baths
1,130 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.
0.92 ac
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$564K
$542K low$585K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$145,000 · Jan 20, 1993
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.$452,585
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$362,068
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.20%
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.$111,000
WASHINGTON MUTUAL BANK · R · recorded Aug 21, 2003

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,031 (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.$512,400 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$280,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$232,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$406,030

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.34 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.minimal

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.Conventional
CountyESSEX
Lot (acres)The size of the land the home sits on, from county records.0.92
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

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.

M
Triton Middle SchoolB-
Middle · Grades 7–8 · 1.1 mi
H
Triton High SchoolB-
High · Grades 9–12 · 1.1 mi
E
Pine Grove SchoolA-
Elementary · Grades PK–6 · 1.9 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

430 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 less than 86% of homes in Rowley 01969
  • Costs more per square foot than 87% of homes in Rowley 01969
  • Smaller than 87% of homes in Rowley 01969
  • Has a bigger lot than 82% of homes in Essex County
  • Older than 86% of homes in Rowley 01969

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
$261K$1.3M

This home is worth more than 14% 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$563,585
CheaperTypical $787,108Pricier

Pricier than 14% of homes nearby

Price per ft²$499
CheaperTypical $390Pricier

Pricier than 87% of homes nearby

Living area1,130 ft²
SmallerTypical 2,124 ft²Bigger

Bigger than 13% of homes nearby

Lot size0.92 ac
SmallerTypical 1 acBigger

Bigger than 41% of homes nearby

Year built1920
OlderTypical 1982Newer

Newer than 14% of homes nearby

How 430 Central St ranks against every home in each area.
MeasureThis homeRowley 01969Essex County
Estimated valuepricier than$563,58514% of homes27% of homes
Price per ft²pricier than$49987% of homes77% of homes
Living areabigger than1,130 ft²13% of homes16% of homes
Lot sizebigger than0.92 ac41% of homes82% of homes
Year builtnewer than192014% of homes30% of homes

About 430 Central St

How much is 430 Central St, Rowley, MA worth?

The TopHap Estimate for 430 Central St, Rowley, MA is $563,585 as of Jul 14, 2026. The likely range is $542,291 to $584,879. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 430 Central St, Rowley, MA last sell?

430 Central St, Rowley, MA last sold on Jan 20, 1993 for $145,000, according to the county's recorded deed.

How big is 430 Central St, Rowley, MA?

430 Central St, Rowley, MA has 2 bedrooms, 1.5 bathrooms, 1,130 square feet of living space and a 0.92-acre lot.

When was 430 Central St, Rowley, MA built?

430 Central St, Rowley, MA was built in 1920, making it 106 years old. It is a conventional home. The building has 2 stories.

What schools serve 430 Central St, Rowley, MA?

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

How does 430 Central St, Rowley, MA compare to other homes in Rowley 01969?

Among the 2,137 homes in Rowley 01969, it is worth more than 14% of them ($563,585 against a typical $787,108), its price per square foot is higher than 87% of them ($499 against a typical $390), it is bigger than 13% of them (1,130 ft² against a typical 2,124 ft²), its lot is bigger than 41% of them (0.92 ac against a typical 1 ac) and it is newer than 14% of them (1920 against a typical 1982). Measured against all of Essex County, it is worth more than 27% 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 430 Central St, Rowley, MA?

The 2025 property tax bill for 430 Central St, Rowley, MA was $6,031. The county assessed it at $512,400.

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