197 Central St, Topsfield, MA 01983 Property Records

Essex County and Topsfield Town property record for 197 Central St, Topsfield, MA 01983

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,278 sqft · built 1964
Lot Size	0.461 acres (20,099 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Aug 2012)
Tax Bill	$8,795 (2025)
Deeds & Mortgages	Apr 2024 Transfer
Flood Zone	Zone X (minimal risk)
APN	`TOPS M:0058 B:0015 L`

Property Details

APN / Parcel Number

Primary APN	`TOPS M:0058 B:0015 L`
Alternative APN	`2075`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,278 sqft Living Area
Gross Area	3,018 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,099 sqft (0.461 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	2075
Street Address	197 CENTRAL ST
City	TOPSFIELD
State	MA
Zip	01983-2224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR
Legal Subdivision	JOHN & NICHOLAS D AGOSTINO
Legal Block	15
Jurisdiction	TOPSFIELD MA
Township / Civil Division	TOPSFIELD
Census Block Group	2
Census Block	2019
Census Tract	214100

Owner

197 Central St is owned and occupied by an individual who acquired it in April 2024.

Source: Essex County and Topsfield Town records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	197 CENTRAL ST, TOPSFIELD, MA 01983-2224
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Formerly Known As (FKA)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2012 · Amount on File
Deed Sale	Aug 28, 2012 · Amount on File
Prior Sale	Apr 30, 2004 · Amount on File
Deed Book / Page	31661 / 557
Last Transfer Date	Apr 18, 2024
Transfer Doc	042085-579
Record Updated	Sep 20, 2026

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TOPSFIELD MA
Recording Date	Apr 26, 2024
Property Address	197 CENTRAL ST, TOPSFIELD, MA 01983-2224
Document Number	042085-579
Book / Page	42085 / 579
Instrument Date	Apr 18, 2024
Instrument	20240426001210
Transaction Type	Transfer
Record Updated	May 10, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 CENTRAL ST, TOPSFIELD, MA 01983-2224

Tax Assessment & Valuation

The 2025 property tax bill for 197 Central St was $8,795, up 3.7% from the year before.

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	$8,795.00 (+3.69%)	$586,700 (+1.61%) Land $331,700 Building $255,000	$574,750
2024	$8,482.00 (+9.37%)	$577,400 (+13.17%) Land $331,700 Building $245,700
2023	$7,755.00	$510,200 Land $320,700 Building $189,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 197 Central St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 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	Severe Storms And Flooding, Mar 2010 · 2 claims Severe Storms And Flooding, May 2006 · 5 claims Flooding, Apr 2004 · 2 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

Wildfire risk around 197 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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