14 High Rdg Rd, Topsfield, MA 01983 Property Records

Essex County and Topsfield Town property record for 14 High Rdg Rd, Topsfield, MA 01983

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,283 sqft · built 1998
Lot Size	1.67 acres (72,741 sqft)
Owner	2 Individual Names on File
Last Sale	$1,034,000 (Nov 2018)
Tax Bill	$21,494 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Dec 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`TOPS M:0065 B:0010 L`

Property Details

APN / Parcel Number

Primary APN	`TOPS M:0065 B:0010 L`
Alternative APN	`2290`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,283 sqft Living Area
Gross Area	8,093 sqft
Basement Area	1,702 sqft
Unfinished Basement	1,702 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	72,741 sqft (1.67 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2290
Street Address	14 HIGH RIDGE RD
City	TOPSFIELD
State	MA
Zip	01983-2234
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORA
Legal Block	10
Jurisdiction	TOPSFIELD MA
Township / Civil Division	TOPSFIELD
Census Block Group	2
Census Block	2028
Census Tract	214100

Owner

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 Individual Names on File
Mailing Address	14 HIGH RIDGE RD, TOPSFIELD, MA 01983-2234
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2017	Deed of Trust, Mortgage SANTANDER BANK NA
Dec 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance RESIDENTIAL MORTGAGE SERVICES
Nov 13, 2018	Quit Claim Deed, Transfer RESIDENTIAL MTG SVCS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 13, 2018 · Amount on Record
Deed Sale	Nov 13, 2018 · Amount on Record
Prior Sale	Feb 4, 1999 · Amount on Record
Deed Book / Page	37148 / 463
Record Updated	Sep 20, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	14 HIGH RIDGE RD, TOPSFIELD, MA 01983-2234
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36311-306
Date	Nov 6, 2017
Book Page	36311/306
Instrument	171106002690

Lender

Name	SANTANDER BANK NA

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2032

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	14 HIGH RIDGE RD, TOPSFIELD, MA 01983-2234
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38159-75
Date	Dec 30, 2019
Book Page	38159/75
Instrument	20191230005610

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TOPSFIELD MA
Recording Date	Nov 13, 2018
Property Address	14 HIGH RIDGE RD, TOPSFIELD, MA 01983-2234
Document Number	37148-463
Book / Page	37148 / 463
Instrument	181113004980
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$160.48
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	371480465
Date	Nov 13, 2018
Instrument	37148/0465

Lender

Name	RESIDENTIAL MTG SVCS

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 13, 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	$21,494.00 (+2.04%)	$1,433,900 (-) Land $547,600 Building $886,300	$1,508,600
2024	$21,064.00 (+16.38%)	$1,433,900 (+20.41%) Land $547,600 Building $886,300
2023	$18,100.00	$1,190,800 Land $463,300 Building $727,500

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 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

14 High Rdg Rd, Topsfield, MA 01983 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

November 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2018: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on High Rdg Rd

Nearby Streets

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