21 Arrowhead Rd, Topsfield, MA 01983 Property Records

Essex County and Topsfield Town property record for 21 Arrowhead Rd, Topsfield, MA 01983

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,156 sqft · built 2018
Lot Size	0.386 acres (16,801 sqft)
Owner	2 Individual Names on File
Last Sale	$479,000 (Oct 2017)
Tax Bill	$13,203 (2025)
Deeds & Mortgages	Sep 2020 Refinance Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`TOPS M:0032 B:0034 L`

Property Details

APN / Parcel Number

Primary APN	`TOPS M:0032 B:0034 L`
Alternative APN	`1140`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,156 sqft Living Area
Gross Area	3,820 sqft
Basement Area	888 sqft
Unfinished Basement	888 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,801 sqft (0.386 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1140
Street Address	21 ARROWHEAD RD
City	TOPSFIELD
State	MA
Zip	01983-1301
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR
Legal Block	34
Jurisdiction	TOPSFIELD MA
Township / Civil Division	TOPSFIELD
Census Block Group	3
Census Block	3031
Census Tract	214100

Owner

21 Arrowhead Rd is owned and occupied by two individuals who bought it in October 2017.

Source: Essex County and Topsfield Town records, as of October 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	21 ARROWHEAD RD, TOPSFIELD, MA 01983-1301
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 25, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Oct 16, 2017	Quit Claim Deed, Transfer LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2017 · Amount on File
Deed Sale	Oct 16, 2017 · Amount on File
Deed Book / Page	36254 / 271
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	21 ARROWHEAD RD, TOPSFIELD, MA 01983-1301
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38977-95
Date	Sep 25, 2020
Book Page	38977/95
Instrument	20200925000840

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TOPSFIELD MA
Recording Date	Oct 16, 2017
Property Address	21 ARROWHEAD RD, TOPSFIELD, MA 01983-1301
Document Number	36254-271
Book / Page	36254 / 271
Instrument	224
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$69.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 ARROWHEAD RD, TOPSFIELD, MA 01983-1301

Mortgage

Document Number	362540273
Date	Oct 16, 2017
Instrument	36254/0273

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 16, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 21 Arrowhead Rd was $13,203, up 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	$13,203.00 (+2.04%)	$880,800 (-) Land $328,800 Building $552,000	$728,270
2024	$12,939.00 (+11.03%)	$880,800 (+14.88%) Land $328,800 Building $552,000
2023	$11,654.00	$766,700 Land $317,800 Building $448,900

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

Flood

FEMA maps place 21 Arrowhead Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1978.

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	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.

Wildfire

Wildfire risk around 21 Arrowhead Rd 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 95% of the US · lower than 90% of Massachusetts
Wildfire Likelihood	Under 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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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