2 Cleary Ln, Topsfield, MA 01983 Property Records

Essex County and Topsfield Town property record for 2 Cleary Ln, Topsfield, MA 01983

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,508 sqft · built 1951
Lot Size	0.969 acres (42,214 sqft)
Owner	2 Trust Names on File
Tax Bill	$14,800 (2025)
Deeds & Mortgages	Sep 2026 Transfer Aug 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`TOPS M:0039 B:0027 L`

Property Details

APN / Parcel Number

Primary APN	`TOPS M:0039 B:0027 L`
Alternative APN	`1027`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,508 sqft Living Area
Gross Area	5,877 sqft
Basement Area	1,483 sqft
Unfinished Basement	1,483 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	42,214 sqft (0.969 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	1027
Street Address	2 CLEARY LN
City	TOPSFIELD
State	MA
Zip	01983-1644
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IRA
Legal Block	27
Jurisdiction	TOPSFIELD MA
Township / Civil Division	TOPSFIELD
Census Block Group	2
Census Block	2010
Census Tract	214100

Owner

2 Cleary Ln is owner-occupied and held in a trust since August 2026.

Source: Essex County and Topsfield Town records, as of October 6, 2026

Owner of Record	2 Trust Names on File
Mailing Address	2 CLEARY LN, TOPSFIELD, MA 01983-1644
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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

Date	Document
Sep 18, 2026	Quit Claim Deed, Transfer Quitclaim
Aug 31, 2026	Quit Claim Deed, Transfer Quitclaim
Aug 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ONTO MORTGAGE
Aug 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ONTO MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2014
Deed Sale	Aug 7, 2014
Prior Sale	Aug 1, 2013 · Amount on File
Deed Document Number	201480700337
Deed Book / Page	33464 / 6
Last Transfer Date	Aug 17, 2026
Transfer Doc	0000001250
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TOPSFIELD MA
Recording Date	Sep 18, 2026
Property Address	2 CLEARY LN, TOPSFIELD, MA 01983-1644
Document Number	0000001250
Book / Page	43636 / 7
Instrument Date	Aug 17, 2026
Instrument	20261250
Transaction Type	Transfer
Record Updated	Oct 6, 2026

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	2 CLEARY LN, TOPSFIELD, MA 01983-1644

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TOPSFIELD MA
Recording Date	Aug 31, 2026
Property Address	2 CLEARY LN, TOPSFIELD, MA 01983-1644
Document Number	0000004610
Book / Page	43602 / 459
Instrument Date	Jul 23, 2026
Instrument	20264610
Transaction Type	Transfer
Record Updated	Sep 23, 2026

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	2 CLEARY LN, TOPSFIELD, MA 01983-1644

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	2 CLEARY LN, TOPSFIELD, MA 01983-1644
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040224-221
Date	Aug 30, 2021
Book Page	40224/221
Instrument	20210830003580

Lender

Name	ONTO MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	2 CLEARY LN, TOPSFIELD, MA 01983-1644
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40224-221
Date	Aug 30, 2021
Book Page	40224/221
Instrument	20210830003580

Lender

Name	ONTO MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 2 Cleary Ln was $14,800, up 6.2% 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	$14,800.00 (+6.22%)	$987,300 (+4.09%) Land $382,900 Building $604,400	$996,455
2024	$13,933.00 (+11.71%)	$948,500 (+15.59%) Land $371,200 Building $577,300
2023	$12,473.00	$820,600 Land $351,600 Building $469,000

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

Flood

FEMA maps place 2 Cleary Ln in Zone X, an area of minimal flood risk, within 100 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 100 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 2 Cleary Ln 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	None beyond ember reach

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 149 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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