11 Forrest Rd, Topsfield, MA 01983 Property Records

Essex County and Topsfield Town property record for 11 Forrest Rd, Topsfield, MA 01983

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,929 sqft · built 1953
Lot Size	1.2 acres (52,485 sqft)
Owner	2 Individual Names on Record
Last Sale	$485,000 (Aug 2018)
Tax Bill	$10,084 (2025)
Deeds & Mortgages	Nov 2024 Line of Credit Jan 2022 Refinance + 6 more
Flood Zone	Zone X (minimal risk)
APN	`TOPS M:0039 B:0061 L`

Property Details

APN / Parcel Number

Primary APN	`TOPS M:0039 B:0061 L`
Alternative APN	`1388`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,929 sqft Living Area
Gross Area	4,038 sqft
Basement Area	662 sqft
Unfinished Basement	662 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	52,485 sqft (1.2 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1388
Street Address	11 FORREST RD
City	TOPSFIELD
State	MA
Zip	01983-1606
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IRA
Legal Block	61
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	11 FORREST RD, TOPSFIELD, MA 01983-1606
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2024	Deed of Trust, Mortgage · Line of Credit DIGITAL FCU
Jan 13, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance NBKC BANK
Nov 5, 2024	Deed of Trust, Mortgage · Line of Credit DIGITAL FCU
Sep 4, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP
Apr 3, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP
Dec 2, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP
Aug 27, 2018	Quit Claim Deed, Transfer HARBORONE MORTGAGE
Aug 27, 2018	Quit Claim Deed, Transfer · Conventional with PMI HARBORONE MTG LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2018 · Amount on Record
Deed Sale	Aug 27, 2018 · Amount on Record
Prior Sale	Aug 27, 2018 · Amount on Record
Deed Book / Page	36966 / 53
Transfer Doc	0000595442
Record Updated	Oct 29, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	11 FORREST RD, TOPSFIELD, MA 01983-1606
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042417-288
Date	Nov 5, 2024
Book Page	42417/288
Instrument	20241105002600

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	11 FORREST RD, TOPSFIELD, MA 01983-1606
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040654-487
Date	Jan 13, 2022
Book Page	40654/487
Instrument	20220113004310

Lender

Name	NBKC BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Feb 1, 2051

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	11 FORREST RD, TOPSFIELD, MA 01983-1606
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000654826
Date	Nov 5, 2024
Instrument	654826

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Dec 1, 2064

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	11 FORREST RD, TOPSFIELD, MA 01983-1606
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37812-155
Date	Sep 4, 2019
Book Page	37812/155
Instrument	20190904001310

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	11 FORREST RD, TOPSFIELD, MA 01983-1606
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38392-204
Date	Apr 3, 2020
Book Page	38392/204
Instrument	20200403001060

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	337 Months
Due	May 1, 2048

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	11 FORREST RD, TOPSFIELD, MA 01983-1606
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39248-61
Date	Dec 2, 2020
Book Page	39248/61
Instrument	20201202001400

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	313 Months
Due	Jan 1, 2047

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TOPSFIELD MA
Recording Date	Aug 27, 2018
Property Address	11 FORREST RD, TOPSFIELD, MA 01983-1606
Document Number	36966-53
Book / Page	36966 / 53
Instrument	180827001960
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$83.52
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	369660056
Date	Aug 27, 2018
Instrument	36966/0056

Lender

Name	HARBORONE MORTGAGE

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2048

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TOPSFIELD MA
Recording Date	Aug 27, 2018
Property Address	11 FORREST RD, TOPSFIELD, MA 01983-1606
Document Number	0000595442
Instrument Date	Aug 22, 2018
Instrument	595442
Transaction Type	Transfer
Record Updated	Sep 21, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,211.60
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	11 FORREST RD TOPSFIELD MA 019831606, TOPSFIELD, MA 01983-1606

Mortgage

Document Number	595443
Date	Aug 27, 2018
Instrument	595443

Lender

Name	HARBORONE MTG LLC

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 26, 2048

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	$10,084.00 (+7.41%)	$672,700 (+5.26%) Land $380,900 Building $291,800	$718,865
2024	$9,388.00 (+9.39%)	$639,100 (+13.2%) Land $360,900 Building $278,200
2023	$8,582.00	$564,600 Land $340,800 Building $223,800

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 Record 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 149 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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