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Single Family ResidenceResidential
$521,774$483 / 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 97How 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 $230,000 on Oct 25, 2013

438 HAVERHILL ST

ROWLEY, MA 01969
3
Beds
1.5
Baths
1,080 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.
0.89 ac
Lot SizeThe size of the land the home sits on, from county records.
1990
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$522K
$504K low$539K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$230,000 · Oct 25, 2013
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.$301,774
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$241,419
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.41%
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.$170,000
TD BANK NA · recorded Feb 29, 2016
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.$50,000
TD BANK NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,815 (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.$579,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$278,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$300,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$530,290

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.40
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
26
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
56
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
88
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
32
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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.Ranch
CountyESSEX
Lot (acres)The size of the land the home sits on, from county records.0.89
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(8)

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

Foreclosure Filings(2)

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 · 2.1 mi
H
Triton High SchoolB-
High · Grades 9–12 · 2.7 mi
M
Triton Middle SchoolB-
Middle · Grades 7–8 · 2.8 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

438 Haverhill 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 90% of homes in Rowley 01969
  • Costs more per square foot than 85% of homes in Rowley 01969
  • Smaller than 90% of homes in Rowley 01969
  • Has a bigger lot than 80% of homes in Essex County
  • Newer than 82% 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
$255K$1.3M

This home is worth more than 10% 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$521,774
CheaperTypical $785,325Pricier

Pricier than 10% of homes nearby

Price per ft²$483
CheaperTypical $389Pricier

Pricier than 85% of homes nearby

Living area1,080 ft²
SmallerTypical 2,120 ft²Bigger

Bigger than 10% of homes nearby

Lot size0.89 ac
SmallerTypical 1 acBigger

Bigger than 34% of homes nearby

Year built1990
OlderTypical 1983Newer

Newer than 62% of homes nearby

How 438 Haverhill St ranks against every home in each area.
MeasureThis homeRowley 01969Essex County
Estimated valuepricier than$521,77410% of homes20% of homes
Price per ft²pricier than$48385% of homes74% of homes
Living areabigger than1,080 ft²10% of homes13% of homes
Lot sizebigger than0.89 ac34% of homes80% of homes
Year builtnewer than199062% of homes82% of homes

About 438 Haverhill St

How much is 438 Haverhill St, Rowley, MA worth?

The TopHap Estimate for 438 Haverhill St, Rowley, MA is $521,774 as of Jul 14, 2026. The likely range is $504,200 to $539,348. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 438 Haverhill St, Rowley, MA last sell?

438 Haverhill St, Rowley, MA last sold on Oct 25, 2013 for $230,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 438 Haverhill St, Rowley, MA?

438 Haverhill St, Rowley, MA has 3 bedrooms, 1.5 bathrooms, 1,080 square feet of living space and a 0.89-acre lot.

When was 438 Haverhill St, Rowley, MA built?

438 Haverhill St, Rowley, MA was built in 1990, making it 36 years old. It is a ranch home. The building has 1 story.

What schools serve 438 Haverhill St, Rowley, MA?

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

How does 438 Haverhill St, Rowley, MA compare to other homes in Rowley 01969?

Among the 2,137 homes in Rowley 01969, it is worth more than 10% of them ($521,774 against a typical $785,325), its price per square foot is higher than 85% of them ($483 against a typical $389), it is bigger than 10% of them (1,080 ft² against a typical 2,120 ft²), its lot is bigger than 34% of them (0.89 ac against a typical 1 ac) and it is newer than 62% of them (1990 against a typical 1983). Measured against all of Essex County, it is worth more than 20% 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 438 Haverhill St, Rowley, MA?

The 2025 property tax bill for 438 Haverhill St, Rowley, MA was $6,815. The county assessed it at $579,000.

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