116 Rowley Bridge Rd, Topsfield, MA 01983 Property Records

Essex County and Topsfield Town property record for 116 Rowley Bridge Rd, Topsfield, MA 01983

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,226 sqft · built 1973
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$460,000 (Jan 2014)
Tax Bill	$10,000 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Aug 2023 Refinance
Flood Zone	Zone X (minimal risk)
APN	`TOPS M:0062 B:0033 L`

Property Details

APN / Parcel Number

Primary APN	`TOPS M:0062 B:0033 L`
Alternative APN	`1957`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,226 sqft Living Area
Gross Area	2,730 sqft
Basement Area	1,144 sqft
Unfinished Basement	1,144 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1957
Street Address	116 ROWLEY BRIDGE RD
City	TOPSFIELD
State	MA
Zip	01983-2317
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORA
Legal Block	33
Jurisdiction	TOPSFIELD MA
Township / Civil Division	TOPSFIELD
Census Block Group	4
Census Block	4008
Census Tract	214100

Owner

Source: Essex County and Topsfield Town records, as of September 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	116 ROWLEY BRIDGE RD, TOPSFIELD, MA 01983-2317
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2026	Deed of Trust, Mortgage · Line of Credit
Aug 24, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance FIGURE LENDING LCC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 13, 2014 · Amount on Record
Deed Sale	Jan 13, 2014 · Amount on Record
Prior Sale	Dec 15, 1997 · Amount on Record
Deed Book / Page	33064 / 340
Transfer Doc	033064-340
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Recording Date	Aug 19, 2026
Property Address	116 ROWLEY BRIDGE RD, TOPSFIELD, MA 01983-2317
Document Number	0000001770
Book / Page	43578 / 529
Instrument Date	Aug 11, 2026
Instrument	20261770
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 ROWLEY BRIDGE RD, TOPSFIELD, MA 01983-2317

Mortgage

Document Number	0000001770,
Date	Aug 19, 2026
Book Page	43578/529
Instrument	20261770

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 1, 2036

Interest

Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	116 ROWLEY BRIDGE RD, TOPSFIELD, MA 01983-2317
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041727-302
Date	Aug 24, 2023
Book Page	41727/302
Instrument	20230824000280

Lender

Name	FIGURE LENDING LCC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	Sep 1, 2028

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	$10,000.00 (+6.71%)	$667,100 (+4.58%) Land $393,100 Building $274,000	$711,075
2024	$9,371.00 (+4.23%)	$637,900 (+7.84%) Land $372,400 Building $265,500
2023	$8,991.00	$591,500 Land $351,700 Building $239,800

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	6 (1996–2010)
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 · 3 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	0.02% 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 33 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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