103 River Rd, Topsfield, MA 01983 Property Records

Essex County and Topsfield Town property record for 103 River Rd, Topsfield, MA 01983

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 5,131 sqft · built 2003
Lot Size	14.3 acres (623,479 sqft)
Owner	2 Individual Names on File
Last Sale	$1,199,000 (Aug 2017)
Tax Bill	$26,474 (2025)
Deeds & Mortgages	Apr 2019 Line of Credit Nov 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`100215`

Property Details

APN / Parcel Number

Primary APN	`100215`
Alternative APN	`TOPS M:0047 B:0050 L`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	5,131 sqft Living Area
Gross Area	10,508 sqft
Basement Area	2,952 sqft
Unfinished Basement	2,952 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	623,479 sqft (14.3 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	100215
Street Address	103 RIVER RD
City	TOPSFIELD
State	MA
Zip	01983-2110
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IRA
Legal Block	50
Jurisdiction	TOPSFIELD MA
Township / Civil Division	TOPSFIELD
Census Block Group	2
Census Block	2004
Census Tract	214100

Owner

Source: Essex County and Topsfield Town records, as of July 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	103 RIVER RD, TOPSFIELD, MA 01983-2110
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2019	Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK
Nov 7, 2017	Deed of Trust, Mortgage STEPSTONE MORTGAGE CO INC
Apr 6, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Aug 1, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2017 · Amount on File
Deed Sale	Aug 1, 2017 · Amount on File
Deed Document Number	2017320
Deed Book / Page	36067 / 494
Record Updated	Sep 20, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	103 RIVER RD, TOPSFIELD, MA 01983-2110
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37447-487
Date	Apr 18, 2019
Book Page	37447/487
Instrument	20190418000660

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	103 RIVER RD, TOPSFIELD, MA 01983-2110
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36313-312
Date	Nov 7, 2017
Book Page	36313/312
Instrument	171107000820

Lender

Name	STEPSTONE MORTGAGE CO INC
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	103 RIVER RD, TOPSFIELD, MA 01983-2110
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38398-2
Date	Apr 6, 2020
Book Page	38398/2
Instrument	20200406002910

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TOPSFIELD MA
Recording Date	Aug 1, 2017
Property Address	103 RIVER RD, TOPSFIELD, MA 01983-2110
Document Number	36067-494
Book / Page	036067 / 000494
Instrument Date	Jul 27, 2017
Instrument	1708010320
Transaction Type	Transfer
Record Updated	Aug 22, 2017

Transaction

Amount	Amount on Record
Tax	$5,467.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5B CURLEW CT GLOUCESTER MA 019301483, GLOUCESTER, MA 01930-1483

Tax Assessment & Valuation

Source: Essex County and Topsfield Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Topsfield Town
Secondary School District	Masconomet School District (07 - 12)
Elementary School District	Topsfield School District (PK - 06)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$26,474.00 (+2.04%)	$1,766,100 (-) Land $620,300 Building $1,145,800	$1,659,935
2024	$25,944.00 (+13.15%)	$1,766,100 (+17.08%) Land $620,300 Building $1,145,800
2023	$22,928.00	$1,508,400 Land $557,300 Building $951,100

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	10 (1978–2010)
Claims Outside the SFHA	1 of 10
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims Severe Storms And Flooding, May 2006 · 5 claims Flooding, Apr 2004 · 2 claims

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	Direct burnable vegetation

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	TOPSFIELD WATER DEPARTMENT serves 5,435 people · EPA ID MA3298000
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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