156 River Rd, Topsfield, MA 01983 Property Records

Essex County and Topsfield Town property record for 156 River Rd, Topsfield, MA 01983

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 4,309 sqft · built 1865
Lot Size	2.3 acres (100,188 sqft)
Owner	2 Individual Names on File
Last Sale	$369,000 (Jun 1999)
Tax Bill	$18,243 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Jun 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`TOPS M:0046 B:0015 L`

Property Details

APN / Parcel Number

Primary APN	`TOPS M:0046 B:0015 L`
Alternative APN	`982`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	3 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	4,309 sqft Living Area
Gross Area	9,707 sqft
Basement Area	2,769 sqft
Unfinished Basement	2,769 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1865
Effective Year Built	Effective 1865
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	100,188 sqft (2.3 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	982
Street Address	156 RIVER RD
City	TOPSFIELD
State	MA
Zip	01983-2007
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IRA
Legal Subdivision	TOPSFIELD
Legal Block	15
Jurisdiction	TOPSFIELD MA
Township / Civil Division	TOPSFIELD
Census Block Group	4
Census Block	4004
Census Tract	214100

Owner

156 River Rd is owned and occupied by two individuals who bought it in June 1999.

Source: Essex County and Topsfield Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	156 RIVER RD, TOPSFIELD, MA 01983-2007
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2018	Deed of Trust, Mortgage MOUNTAINONE BK
Jun 5, 2018	Deed of Trust, Mortgage MOUNTAINONE BK
Jul 17, 2020	Deed of Trust, Mortgage · Balloon Mortgage NORTH SHORE BANK
Jul 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NORTH SHORE BANK
Mar 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 1999 · Amount on File
Deed Sale	Jun 9, 1999 · Amount on File
Deed Book / Page	15729 / 348
Record Updated	Sep 20, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	156 RIVER RD, TOPSFIELD, MA 01983-2007
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36765-201
Date	Jun 5, 2018
Book Page	36765/201
Instrument	180605002010

Lender

Name	MOUNTAINONE BK

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2048

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	156 RIVER RD, TOPSFIELD, MA 01983-2007
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36765-215
Date	Jun 5, 2018
Book Page	36765/215
Instrument	180605002020

Lender

Name	MOUNTAINONE BK

Agreement

Amount	Amount on Record

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	156 RIVER RD, TOPSFIELD, MA 01983-2007
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38721-69
Date	Jul 17, 2020
Book Page	38721/69
Instrument	20200717000760

Lender

Name	NORTH SHORE BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	156 RIVER RD, TOPSFIELD, MA 01983-2007
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38721-57
Date	Jul 17, 2020
Book Page	38721/57
Instrument	20200717000750

Lender

Name	NORTH SHORE BANK
Type	Bank

Agreement

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

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	156 RIVER RD, TOPSFIELD, MA 01983-2007
Document Number	37441-161
Instrument Date	Mar 27, 2019
Transaction Type	Mortgage
Record Updated	Apr 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	156 RIVER RD TOPSFIELD MA 019832007, TOPSFIELD, MA 01983-2007

Mortgage

Document Number	37441-161
Date	Apr 16, 2019
Book Page	037441/000161
Instrument	1904161620

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 15, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 156 River Rd was $18,243, up 7.1% from the year before.

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	$18,243.00 (+7.1%)	$1,217,000 (+4.96%) Land $418,300 Building $798,700	$1,127,080
2024	$17,033.00 (+12.71%)	$1,159,500 (+16.63%) Land $396,500 Building $763,000
2023	$15,112.00	$994,200 Land $373,900 Building $620,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 156 River Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
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

Wildfire risk around 156 River Rd is low, with a 0.01% annual chance of 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 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 and 4G LTE (outdoors only)

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