Essex County and Topsfield Town property record for 18 Central St, Topsfield, MA 01983
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,042 sqft · built 1870 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $520,000 (Mar 2018) |
| Tax Bill | $10,959 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | TOPS M:0041 B:0041 L |
| Primary APN | TOPS M:0041 B:0041 L |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,042 sqft Living Area |
| Gross Area | 3,464 sqft |
| Basement Area | 1,096 sqft |
| Unfinished Basement | 1,096 sqft |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Steam |
| Heating Fuel | Gas |
| Account Number | 1847 |
|---|---|
| Street Address | 18 CENTRAL ST |
| City | TOPSFIELD |
| State | MA |
| Zip | 01983-1802 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CR |
| Legal Block | 41 |
| Jurisdiction | TOPSFIELD MA |
| Township / Civil Division | TOPSFIELD |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 214100 |
Source: Essex County and Topsfield Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 18 CENTRAL ST, TOPSFIELD, MA 01983-1802 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 22, 2025 | Deed of Trust, Mortgage · Conventional Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Jul 21, 2021 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Mar 20, 2018 | Quit Claim Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 20, 2018 · Amount on Record |
| Deed Sale | Mar 20, 2018 · Amount on Record |
| Prior Sale | Oct 8, 2003 · Amount on Record |
| Deed Book / Page | 36593 / 503 |
| Transfer Doc | 036593-503 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 18 CENTRAL ST, TOPSFIELD, MA 01983-1802 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 042960-277 |
|---|---|
| Date | Sep 22, 2025 |
| Book Page | 42960/277 |
| Instrument | 20250922001410 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 277 Months |
| Due | Oct 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 18 CENTRAL ST, TOPSFIELD, MA 01983-1802 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 040100-396 |
|---|---|
| Date | Jul 21, 2021 |
| Book Page | 40100/396 |
| Instrument | 20210721000470 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Aug 1, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Recording Date | Mar 20, 2018 |
| Property Address | 18 CENTRAL ST, TOPSFIELD, MA 01983-1802 |
| Document Number | 36593-503 |
| Book / Page | 036593 / 000503 |
| Instrument Date | Mar 20, 2018 |
| Instrument | 3400 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2018 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,371.20 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 18 CENTRAL ST TOPSFIELD MA 019831802, TOPSFIELD, MA 01983-1802 |
| Document Number | 36593-505 |
|---|---|
| Date | Mar 20, 2018 |
| Book Page | 036593/000505 |
| Instrument | 3410 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 19, 2048 |
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 | $10,959.00 (+2.04%) | $731,100 (-) Land $323,400 Building $407,700 | $805,291 |
| 2024 | $10,740.00 (+1.61%) | $731,100 (+5.13%) Land $323,400 Building $407,700 | |
| 2023 | $10,570.00 | $695,400 Land $312,700 Building $382,700 |
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 500 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 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 150 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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