Essex County and Topsfield Town property record for 15 River Rd, Topsfield, MA 01983
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,451 sqft · built 2003 |
| Lot Size | 2.27 acres (98,881 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $1,180,000 (Oct 2016) |
| Tax Bill | $23,335 (2025) |
| Deeds & Mortgages | Sep 2021 Refinance Jun 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 100131 |
| Primary APN | 100131 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,451 sqft Living Area |
| Gross Area | 7,164 sqft |
| Basement Area | 640 sqft |
| Unfinished Basement | 640 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 98,881 sqft (2.27 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Radiant |
| Heating Fuel | Oil |
| Account Number | 100131 |
|---|---|
| Street Address | 15 RIVER RD |
| City | TOPSFIELD |
| State | MA |
| Zip | 01983-2108 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IRA |
| Legal Block | 4 |
| Jurisdiction | TOPSFIELD MA |
| Township / Civil Division | TOPSFIELD |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 214100 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the River Road-Cross Street Historic District listed 2005 · 52 contributing resources · NRIS 05000465 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 Trust Names on Record |
|---|---|
| Mailing Address | 15 RIVER RD, TOPSFIELD, MA 01983-2108 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Sep 13, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTY HOME MORTGAGE |
| Jun 29, 2022 | Deed, Transfer |
| Sep 13, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTY HOME MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 14, 2016 · Amount on Record |
| Deed Sale | Oct 14, 2016 · Amount on Record |
| Deed Book / Page | 35350 / 537 |
| Last Transfer Date | Jun 23, 2022 |
| Transfer Doc | 041035-479 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 15 RIVER RD, TOPSFIELD, MA 01983-2108 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0040271-37 |
|---|---|
| Date | Sep 13, 2021 |
| Book Page | 40271/37 |
| Instrument | 20210913003470 |
| Name | GUARANTY HOME MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Deed |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Recording Date | Jun 29, 2022 |
| Property Address | 15 RIVER RD, TOPSFIELD, MA 01983-2108 |
| Document Number | 041035-479 |
| Book / Page | 41035 / 479 |
| Instrument Date | Jun 23, 2022 |
| Instrument | 20220629004630 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15 RIVER RD, TOPSFIELD, MA 01983-2108 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 15 RIVER RD, TOPSFIELD, MA 01983-2108 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 40271-37 |
|---|---|
| Date | Sep 13, 2021 |
| Book Page | 40271/37 |
| Instrument | 20210913003470 |
| Name | GUARANTY HOME MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2036 |
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 | $23,335.00 (+4.86%) | $1,556,700 (+2.76%) Land $570,400 Building $986,300 | $1,677,225 |
| 2024 | $22,254.00 (+13.46%) | $1,514,900 (+17.4%) Land $570,400 Building $944,500 | |
| 2023 | $19,614.00 | $1,290,400 Land $482,400 Building $808,000 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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 95% of the US · lower than 90% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 17 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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