Essex County and Topsfield Town property record for 18 Prospect St, Topsfield, MA 01983
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,597 sqft · built 1839 |
| Lot Size | 3.58 acres (155,945 sqft) |
| Owner | Individual Name on File |
| Last Sale | $675,000 (Jul 2012) |
| Tax Bill | $13,650 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage Dec 2020 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | TOPS M:0040 B:0092 L |
| Primary APN | TOPS M:0040 B:0092 L |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 2,597 sqft Living Area |
| Gross Area | 5,957 sqft |
| Basement Area | 1,352 sqft |
| Unfinished Basement | 1,352 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1839 |
|---|---|
| Effective Year Built | Effective 1839 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 155,945 sqft (3.58 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1203 |
|---|---|
| Street Address | 18 PROSPECT ST |
| City | TOPSFIELD |
| State | MA |
| Zip | 01983-1716 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CR |
| Legal Subdivision | THOMAS L JENKINS |
| Legal Block | 92 |
| Jurisdiction | TOPSFIELD MA |
| Township / Civil Division | TOPSFIELD |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 214100 |
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 | 18 PROSPECT ST, TOPSFIELD, MA 01983-1716 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 17, 2019 | Deed of Trust, Mortgage · Balloon Mortgage INSTITUTION FOR SAVINGS NEWBURYPORT |
| Dec 23, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance EAST CAMBRIDGE SAVINGS BANK |
| Sep 24, 2018 | Deed of Trust, Mortgage · Conventional Mortgage E CAMBRIDGE SVGS BK |
| Sep 20, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 18, 2012 · Amount on Record |
| Deed Sale | Jul 18, 2012 · Amount on Record |
| Prior Sale | Jun 12, 2007 |
| Deed Book / Page | 31533 / 451 |
| Transfer Doc | 37024-320 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 18 PROSPECT ST, TOPSFIELD, MA 01983-1716 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 37850-152 |
|---|---|
| Date | Sep 17, 2019 |
| Book Page | 37850/152 |
| Instrument | 20190917004370 |
| Name | INSTITUTION FOR SAVINGS NEWBURYPORT |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 18 PROSPECT ST, TOPSFIELD, MA 01983-1716 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 39334-83 |
|---|---|
| Date | Dec 23, 2020 |
| Book Page | 39334/83 |
| Instrument | 20201223001140 |
| Name | EAST CAMBRIDGE SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 18 PROSPECT ST, TOPSFIELD, MA 01983-1716 |
| Document Number | 37046-530 |
| Instrument Date | Sep 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2019 |
| Name | Verified Name |
|---|---|
| Address | 18 PROSPECT ST TOPSFIELD MA 019831716, TOPSFIELD, MA 01983-1716 |
| Document Number | 37046-530 |
|---|---|
| Date | Sep 28, 2018 |
| Book Page | 037046/000530 |
| Instrument | 1809283290 |
| Name | E CAMBRIDGE SVGS BK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 27, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.13% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Recording Date | Sep 20, 2018 |
| Property Address | 18 PROSPECT ST, TOPSFIELD, MA 01983-1716 |
| Document Number | 37024-320 |
| Book / Page | 037024 / 000320 |
| Instrument Date | Sep 17, 2018 |
| Instrument | 180920150 |
| Transaction Type | Transfer |
| Record Updated | Oct 9, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 18 PROSPECT ST TOPSFIELD MA 019831716, TOPSFIELD, MA 01983-1716 |
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 | $13,650.00 (+2.04%) | $910,600 (-) Land $459,300 Building $451,300 | $1,254,855 |
| 2024 | $13,377.00 (+1.47%) | $910,600 (+4.99%) Land $459,300 Building $451,300 | |
| 2023 | $13,183.00 | $867,300 Land $428,500 Building $438,800 |
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 | Direct burnable vegetation at the parcel |
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 USA Fixed Wireless | 100 / 20 |
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