20 Garden St, Topsfield, MA 01983 Property Records

Essex County and Topsfield Town property record for 20 Garden St, Topsfield, MA 01983

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,240 sqft · built 1974
Lot Size	2.6 acres (113,256 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Dec 1994)
Tax Bill	$11,310 (2025)
Deeds & Mortgages	Jun 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`TOPS M:0069 B:0003 L`

Property Details

APN / Parcel Number

Primary APN	`TOPS M:0069 B:0003 L`
Alternative APN	`1901`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,240 sqft Living Area
Gross Area	3,568 sqft
Basement Area	1,240 sqft
Unfinished Basement	1,240 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	113,256 sqft (2.6 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	1901
Street Address	20 GARDEN ST
City	TOPSFIELD
State	MA
Zip	01983-2402
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORA
Legal Block	3
Jurisdiction	TOPSFIELD MA
Township / Civil Division	TOPSFIELD
Census Block Group	4
Census Block	4017
Census Tract	214100

Owner

20 Garden St is owned and occupied by two individuals who bought it in December 1994.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 GARDEN ST, TOPSFIELD, MA 01983-2402
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 1994 · Amount on File
Deed Sale	Dec 22, 1994 · Amount on File
Deed Book / Page	12869 / 556
Record Updated	Sep 20, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	20 GARDEN ST, TOPSFIELD, MA 01983-2402
Document Number	37645-401
Instrument Date	Jun 18, 2019
Transaction Type	Mortgage
Record Updated	Jul 23, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 GARDEN ST TOPSFIELD MA 019832402, TOPSFIELD, MA 01983-2402

Mortgage

Document Number	37645-401
Date	Jul 5, 2019
Book Page	037645/000401
Instrument	5000650

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 20 Garden St was $11,310, up 8% 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	$11,310.00 (+7.95%)	$754,500 (+5.79%) Land $381,400 Building $373,100	$721,620
2024	$10,477.00 (+7.92%)	$713,200 (+11.66%) Land $361,800 Building $351,400
2023	$9,708.00	$638,700 Land $340,400 Building $298,300

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

Flood

FEMA maps place 20 Garden St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1996.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	6 (1996–2010)
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 · 3 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 20 Garden St is low, with less than 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 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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