Essex County and Topsfield Town property record for 11 High Rdg Rd, Topsfield, MA 01983
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,450 sqft · built 1998 |
| Lot Size | 1 acres (43,564 sqft) |
| Owner | 2 Individuals on Record |
| Last Sale | $199,000 (Jan 1998) |
| Tax Bill | $19,592 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Feb 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | TOPS M:0065 B:0028 L |
| Primary APN | TOPS M:0065 B:0028 L |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,450 sqft Living Area |
| Gross Area | 7,704 sqft |
| Basement Area | 414 sqft |
| Unfinished Basement | 414 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 43,564 sqft (1 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 2310 |
|---|---|
| Street Address | 11 HIGH RIDGE RD |
| City | TOPSFIELD |
| State | MA |
| Zip | 01983-2234 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ORA |
| Legal Subdivision | OPEN SP DEVELOPMENT MORNINGSID |
| Legal Block | 28 |
| Jurisdiction | TOPSFIELD MA |
| Township / Civil Division | TOPSFIELD |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 214100 |
Source: Essex County and Topsfield Town assessment roll, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individuals on Record |
|---|---|
| Mailing Address | 11 HIGH RIDGE RD, TOPSFIELD, MA 01983-2234 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 14, 2026 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Feb 12, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Apr 12, 2019 | Deed of Trust, Mortgage · Balloon Mortgage PEOPLES UNITED BANK |
| Apr 21, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Aug 24, 2020 | Deed of Trust, Mortgage · Balloon Mortgage NEEDHAM BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 23, 1998 · Amount on Record |
| Deed Sale | Jan 23, 1998 · Amount on Record |
| Deed Book / Page | 14550 / 212 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 11 HIGH RIDGE RD, TOPSFIELD, MA 01983-2234 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0043178-43 |
|---|---|
| Date | Jan 14, 2026 |
| Book Page | 43178/43 |
| Instrument | 20260114001060 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 11 HIGH RIDGE RD, TOPSFIELD, MA 01983-2234 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2021 |
| Name | Verified Name |
|---|
| Document Number | 39526-113 |
|---|---|
| Date | Feb 12, 2021 |
| Book Page | 39526/113 |
| Instrument | 20210212003830 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 11 HIGH RIDGE RD, TOPSFIELD, MA 01983-2234 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 37436-28 |
|---|---|
| Date | Apr 12, 2019 |
| Book Page | 37436/28 |
| Instrument | 20190412000210 |
| Name | PEOPLES UNITED BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 11 HIGH RIDGE RD, TOPSFIELD, MA 01983-2234 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38434-508 |
|---|---|
| Date | Apr 21, 2020 |
| Book Page | 38434/508 |
| Instrument | 20200421002200 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 11 HIGH RIDGE RD, TOPSFIELD, MA 01983-2234 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38851-512 |
|---|---|
| Date | Aug 24, 2020 |
| Book Page | 38851/512 |
| Instrument | 20200824001100 |
| Name | NEEDHAM BANK |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 1, 2040 |
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 | $19,592.00 (+2.04%) | $1,307,000 (-) Land $509,700 Building $797,300 | $1,493,590 |
| 2024 | $19,200.00 (+16.89%) | $1,307,000 (+20.95%) Land $509,700 Building $797,300 | |
| 2023 | $16,425.00 | $1,080,600 Land $431,200 Building $649,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 46 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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