Essex County and Topsfield Town property record for 185 Central St, Topsfield, MA 01983
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 725 sqft · built 1950 |
| Lot Size | 0.906 acres (39,478 sqft) |
| Owner | Individual Name on File |
| Last Sale | $440,000 (Nov 2020) |
| Tax Bill | $7,048 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Nov 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | TOPS M:0049 B:0071 L |
| Primary APN | TOPS M:0049 B:0071 L |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 725 sqft Living Area |
| Gross Area | 1,777 sqft |
| Basement Area | 250 sqft |
| Unfinished Basement | 250 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Ranch |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 39,478 sqft (0.906 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | 2078 |
|---|---|
| Street Address | 185 CENTRAL ST |
| City | TOPSFIELD |
| State | MA |
| Zip | 01983-2207 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CR |
| Legal Block | 71 |
| Jurisdiction | TOPSFIELD MA |
| Township / Civil Division | TOPSFIELD |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 214100 |
185 Central St is owned and occupied by an individual who bought it in November 2020.
Source: Essex County and Topsfield Town records, as of July 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 185 CENTRAL ST, TOPSFIELD, MA 01983-2207 |
| 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.
| Date | Document |
|---|---|
| Sep 7, 2022 | Deed of Trust, Mortgage · Line of Credit EASTERN BANK |
| Nov 20, 2020 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage DRAPER AND KRAMER MORTGAGE CORP. |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 20, 2020 · Amount on File |
| Deed Sale | Nov 20, 2020 · Amount on File |
| Prior Sale | May 3, 2005 · Amount on File |
| Deed Book / Page | 39208 / 425 |
| Prior Transfer Date | Nov 17, 2020 |
| Prior Transfer Doc | 3920000425 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 185 CENTRAL ST, TOPSFIELD, MA 01983-2207 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0041174-11 |
|---|---|
| Date | Sep 7, 2022 |
| Book Page | 41174/11 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Recording Date | Nov 20, 2020 |
| Property Address | 185 CENTRAL ST, TOPSFIELD, MA 01983-2207 |
| Document Number | 39208-425 |
| Book / Page | 39208 / 425 |
| Instrument Date | Nov 17, 2020 |
| Instrument | 20201120006730 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 185 CENTRAL ST, TOPSFIELD, MA 01983-2207 |
| Document Number | 201120006740 |
|---|---|
| Date | Nov 20, 2020 |
| Instrument | 201120006740 |
| Name | DRAPER AND KRAMER MORTGAGE CORP. |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 185 Central St was $7,048, up 2% from the year before.
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 | $7,048.00 (+2.04%) | $470,200 (-) Land $331,700 Building $138,500 | $559,835 |
| 2024 | $6,907.00 (+3.82%) | $470,200 (+7.43%) Land $331,700 Building $138,500 | |
| 2023 | $6,653.00 | $437,700 Land $320,600 Building $117,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 185 Central St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 185 Central St 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.
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 41 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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