Essex County and Topsfield Town property record for 19 Normandy Row, Topsfield, MA 01983
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,092 sqft · built 1965 |
| Lot Size | 0.464 acres (20,199 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $850,500 (Nov 2023) |
| Tax Bill | $11,983 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Nov 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | TOPS M:0024 B:0069 L |
| Primary APN | TOPS M:0024 B:0069 L |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,092 sqft Living Area |
| Gross Area | 3,958 sqft |
| Basement Area | 846 sqft |
| Unfinished Basement | 846 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,199 sqft (0.464 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 449 |
|---|---|
| Street Address | 19 NORMANDY ROW |
| City | TOPSFIELD |
| State | MA |
| Zip | 01983-1306 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CR |
| Legal Block | 69 |
| Jurisdiction | TOPSFIELD MA |
| Township / Civil Division | TOPSFIELD |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 214100 |
Source: Essex County and Topsfield Town records, as of July 20, 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 Record |
|---|---|
| Mailing Address | 19 NORMANDY ROW, TOPSFIELD, MA 01983-1306 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Feb 25, 2026 | Deed of Trust, Mortgage KEYSTONE FUNDING INC |
| Nov 30, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage WINTER HILL FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 30, 2023 · Amount on Record |
| Deed Sale | Nov 30, 2023 · Amount on Record |
| Prior Sale | May 28, 2013 · Amount on Record |
| Deed Book / Page | 41882 / 144 |
| Transfer Doc | 0032504-72 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 19 NORMANDY ROW, TOPSFIELD, MA 01983-1306 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00043241-5 |
|---|---|
| Date | Feb 25, 2026 |
| Book Page | 43241/5 |
| Instrument | 20260225000840 |
| Name | KEYSTONE FUNDING INC |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Recording Date | Nov 30, 2023 |
| Property Address | 19 NORMANDY ROW, TOPSFIELD, MA 01983-1306 |
| Document Number | 041882-144 |
| Book / Page | 41882 / 144 |
| Instrument Date | Nov 30, 2023 |
| Instrument | 20231130001670 |
| Transaction Type | Transfer |
| Record Updated | Dec 15, 2023 |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3 ARCHSTONE CIR, READING, MA 01867-3795 |
| Document Number | 231130001680 |
|---|---|
| Date | Nov 30, 2023 |
| Instrument | 231130001680 |
| Name | WINTER HILL FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.13% |
| Type Change Date | Dec 1, 2030 |
| Max Rate At Change | 2.88% |
| Index | 1-Year CMT |
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 | $11,983.00 (+6.63%) | $799,400 (+4.5%) Land $368,700 Building $430,700 | $868,300 |
| 2024 | $11,238.00 (+12.16%) | $765,000 (+16.05%) Land $368,700 Building $396,300 | |
| 2023 | $10,020.00 | $659,200 Land $346,600 Building $312,600 |
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 6 (1978–2023) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Dec 2023 · other causes |
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 |
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 157 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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