Essex County and Topsfield Town property record for 11 Garden St, Topsfield, MA 01983
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,958 sqft · built 1850 |
| Lot Size | 1.23 acres (53,683 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $540,000 (Dec 2016) |
| Tax Bill | $10,769 (2025) |
| Deeds & Mortgages | Mar 2021 Refinance Aug 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | TOPS M:0069 B:0011 L |
| Primary APN | TOPS M:0069 B:0011 L |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,958 sqft Living Area |
| Gross Area | 3,393 sqft |
| Basement Area | 1,010 sqft |
| Unfinished Basement | 1,010 sqft |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1850 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 53,683 sqft (1.23 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1900 |
|---|---|
| Street Address | 11 GARDEN ST |
| City | TOPSFIELD |
| State | MA |
| Zip | 01983-2401 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ORA |
| Legal Block | 11 |
| Jurisdiction | TOPSFIELD MA |
| Township / Civil Division | TOPSFIELD |
| Census Block Group | 4 |
| Census Block | 4011 |
| Census Tract | 214100 |
11 Garden St is owned and occupied by two individuals who bought it in December 2016.
Source: Essex County and Topsfield Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11 GARDEN ST, TOPSFIELD, MA 01983-2401 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 15, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NORTH AMERICAN SAVINGS BANK FSB |
| Aug 15, 2025 | Deed of Trust, Mortgage · Conventional Mortgage WEBSTER FIRST FCU |
| Apr 6, 2026 | Quit Claim Deed, Transfer · ARM WEBSTER FIRST FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 13, 2016 · Amount on File |
| Deed Sale | Dec 13, 2016 · Amount on File |
| Prior Sale | Mar 29, 2013 |
| Deed Document Number | 2016449 |
| Deed Book / Page | 35526 / 256 |
| Transfer Doc | 035526-256 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 11 GARDEN ST, TOPSFIELD, MA 01983-2401 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 039648-473 |
|---|---|
| Date | Mar 15, 2021 |
| Book Page | 39648/473 |
| Instrument | 20210315006960 |
| Name | NORTH AMERICAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 11 GARDEN ST, TOPSFIELD, MA 01983-2401 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 042889-377 |
|---|---|
| Date | Aug 15, 2025 |
| Book Page | 42889/377 |
| Instrument | 20250815001240 |
| Name | WEBSTER FIRST FCU |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | Sep 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.13% |
| Type Change Date | Sep 1, 2027 |
| Index | 1-Year CMT |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Recording Date | Apr 6, 2026 |
| Property Address | 11 GARDEN ST, TOPSFIELD, MA 01983-2401 |
| Document Number | 043313-479 |
| Book / Page | 43313 / 479 |
| Instrument Date | Mar 31, 2026 |
| Instrument | 2026560 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 11 GARDEN ST, TOPSFIELD, MA 01983-2401 |
| Date | Apr 6, 2026 |
|---|
| Name | WEBSTER FIRST FEDERAL CREDIT UNION |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.38% |
| Initial Type | Adjustable Rate |
| Type Change Date | Apr 1, 2032 |
| Index | LIBOR |
| Margin | 2 |
| Max Rate | -1% |
The 2025 property tax bill for 11 Garden St was $10,769, up 5% from the year before.
Source: Essex County and Topsfield Town assessment roll, as of April 14, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,769.00 (+4.99%) | $718,400 (+2.89%) Land $382,100 Building $336,300 | $780,900 |
| 2024 | $10,257.00 (+2.48%) | $698,200 (+6.03%) Land $361,900 Building $336,300 | |
| 2023 | $10,009.00 | $658,500 Land $341,800 Building $316,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11 Garden St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1996.
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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 6 (1996–2010) |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 11 Garden St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 88% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber | 980 / 880 |
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