151 River Rd, Topsfield, MA 01983 Property Records

Essex County and Topsfield Town property record for 151 River Rd, Topsfield, MA 01983

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,688 sqft · built 1955
Lot Size	0.52 acres (22,656 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Sep 2014)
Tax Bill	$9,934 (2025)
Deeds & Mortgages	Jan 2021 Refinance Jul 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`TOPS M:0047 B:0009 L`

Property Details

APN / Parcel Number

Primary APN	`TOPS M:0047 B:0009 L`
Alternative APN	`988`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,688 sqft Living Area
Gross Area	3,792 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,656 sqft (0.52 acres)
Garage Type	Basement

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	988
Street Address	151 RIVER RD
City	TOPSFIELD
State	MA
Zip	01983-2010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IRA
Legal Block	9
Jurisdiction	TOPSFIELD MA
Township / Civil Division	TOPSFIELD
Census Block Group	2
Census Block	2010
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	Individual Name on File
Mailing Address	151 RIVER RD, TOPSFIELD, MA 01983-2010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Jul 7, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Nov 7, 2019	Deed of Trust, Mortgage · Conventional with PMI FIRST CHOICE LN SVCS
May 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage METRO CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 8, 2014 · Amount on Record
Deed Sale	Sep 8, 2014 · Amount on Record
Prior Sale	May 22, 2013
Deed Book / Page	33529 / 227
Transfer Doc	3248000346
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	151 RIVER RD, TOPSFIELD, MA 01983-2010
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039416-218
Date	Jan 15, 2021
Book Page	39416/218
Instrument	20210115003520

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	151 RIVER RD, TOPSFIELD, MA 01983-2010
Transaction Type	Mortgage
Record Updated	Mar 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38687-479
Date	Jul 7, 2020
Book Page	38687/479
Instrument	20200707002820

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

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

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	151 RIVER RD, TOPSFIELD, MA 01983-2010
Document Number	38023-100
Instrument Date	Nov 7, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	151 RIVER RD TOPSFIELD MA 019832010, TOPSFIELD, MA 01983-2010

Mortgage

Document Number	38023-100
Date	Nov 13, 2019
Book Page	038023/000100
Instrument	1113004600

Lender

Name	FIRST CHOICE LN SVCS
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2049

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	151 RIVER RD, TOPSFIELD, MA 01983-2010
Document Number	37522-213
Instrument Date	May 17, 2019
Transaction Type	Mortgage
Record Updated	Jun 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	151 RIVER RD TOPSFIELD MA 019832010, TOPSFIELD, MA 01983-2010

Mortgage

Document Number	37522-213
Date	May 20, 2019
Book Page	037522/000213
Instrument	1905203250

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 19, 2049

Interest

Rate Type	Adjustable Rate

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	$9,934.00 (+4.6%)	$662,700 (+2.51%) Land $334,000 Building $328,700	$646,285
2024	$9,497.00 (+11.35%)	$646,500 (+15.22%) Land $334,000 Building $312,500
2023	$8,529.00	$561,100 Land $322,900 Building $238,200

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	None beyond ember reach

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 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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