162 River Rd, Topsfield, MA 01983 Property Records

Essex County and Topsfield Town property record for 162 River Rd, Topsfield, MA 01983

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,266 sqft · built 1960
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Jul 2015)
Tax Bill	$9,898 (2025)
Deeds & Mortgages	Aug 2023 Refinance Nov 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`TOPS M:0046 B:0012 L`

Property Details

APN / Parcel Number

Primary APN	`TOPS M:0046 B:0012 L`
Alternative APN	`984`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,266 sqft Living Area
Gross Area	2,760 sqft
Basement Area	636 sqft
Unfinished Basement	636 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	984
Street Address	162 RIVER RD
City	TOPSFIELD
State	MA
Zip	01983-2007
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IRA
Legal Block	12
Jurisdiction	TOPSFIELD MA
Township / Civil Division	TOPSFIELD
Census Block Group	4
Census Block	4004
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	162 RIVER RD, TOPSFIELD, MA 01983-2007
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Nov 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MTG
Feb 3, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 20, 2015 · Amount on Record
Deed Sale	Jul 20, 2015 · Amount on Record
Prior Sale	Sep 8, 2006
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	162 RIVER RD, TOPSFIELD, MA 01983-2007
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000646324
Date	Aug 29, 2023
Instrument	646324

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	162 RIVER RD, TOPSFIELD, MA 01983-2007
Document Number	0000618642
Instrument Date	Nov 9, 2020
Transaction Type	Mortgage
Record Updated	Dec 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	162 RIVER RD TOPSFIELD MA 019832007, TOPSFIELD, MA 01983-2007

Mortgage

Document Number	0000618642
Date	Nov 16, 2020
Instrument	618642

Lender

Name	FREEDOM MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Nov 15, 2045

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	162 RIVER RD, TOPSFIELD, MA 01983-2007
Document Number	0000609826
Instrument Date	Feb 3, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	162 RIVER RD TOPSFIELD MA 019832007, TOPSFIELD, MA 01983-2007

Mortgage

Document Number	0000609826
Date	Feb 7, 2020
Instrument	609826

Lender

Name	FREEDOM MTG
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Feb 6, 2045

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	$9,898.00 (+10.91%)	$660,300 (+8.69%) Land $353,800 Building $306,500	$628,615
2024	$8,924.00 (+6.12%)	$607,500 (+9.82%) Land $335,200 Building $272,300
2023	$8,409.00	$553,200 Land $316,600 Building $236,600

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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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