Essex County and Topsfield Town property record for 20 High Rdg Rd, Topsfield, MA 01983
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 4,317 sqft · built 1998 |
| Lot Size | 4.01 acres (174,676 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $870,000 (Nov 2019) |
| Tax Bill | $23,077 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Jun 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | TOPS M:0065 B:0012 L |
| Primary APN | TOPS M:0065 B:0012 L |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 4,317 sqft Living Area |
| Gross Area | 7,784 sqft |
| Basement Area | 1,844 sqft |
| Unfinished Basement | 1,844 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 174,676 sqft (4.01 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 2292 |
|---|---|
| Street Address | 20 HIGH RIDGE RD |
| City | TOPSFIELD |
| State | MA |
| Zip | 01983-2234 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ORA |
| Legal Block | 12 |
| Jurisdiction | TOPSFIELD MA |
| Township / Civil Division | TOPSFIELD |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 214100 |
Source: Essex County and Topsfield Town assessment roll, as of April 14, 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 File |
|---|---|
| Mailing Address | 20 HIGH RIDGE RD, TOPSFIELD, MA 01983-2234 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 22, 2020 | Deed of Trust, Mortgage · Balloon Mortgage SANTANDER BANK NA |
| Jun 18, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance SANTANDER BANK NA |
| Nov 22, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 22, 2019 · Amount on Record |
| Deed Sale | Nov 22, 2019 · Amount on Record |
| Deed Document Number | 20195080 |
| Deed Book / Page | 38054 / 73 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 20 HIGH RIDGE RD, TOPSFIELD, MA 01983-2234 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38967-140 |
|---|---|
| Date | Sep 22, 2020 |
| Book Page | 38967/140 |
| Instrument | 20200922005690 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 20 HIGH RIDGE RD, TOPSFIELD, MA 01983-2234 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38626-195 |
|---|---|
| Date | Jun 18, 2020 |
| Book Page | 38626/195 |
| Instrument | 20200618003970 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Recording Date | Nov 22, 2019 |
| Property Address | 20 HIGH RIDGE RD, TOPSFIELD, MA 01983-2234 |
| Document Number | 38054-73 |
| Book / Page | 038054 / 000073 |
| Instrument Date | Nov 21, 2019 |
| Instrument | 1122005080 |
| Transaction Type | Transfer |
| Record Updated | Dec 10, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,967.20 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 20 HIGH RIDGE RD TOPSFIELD MA 019832234, TOPSFIELD, MA 01983-2234 |
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 | $23,077.00 (+5.61%) | $1,539,500 (+3.5%) Land $581,400 Building $958,100 | $1,342,920 |
| 2024 | $21,851.00 (+16.31%) | $1,487,500 (+20.35%) Land $581,400 Building $906,100 | |
| 2023 | $18,787.00 | $1,236,000 Land $491,300 Building $744,700 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
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 at the parcel |
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 46 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber | 980 / 880 |
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