Essex County and Topsfield Town property record for 22 Andrews Rd, Topsfield, MA 01983
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,563 sqft · built 1979 |
| Lot Size | 0.985 acres (42,902 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $545,000 (Jun 2019) |
| Tax Bill | $10,745 (2025) |
| Deeds & Mortgages | Jun 2020 Refinance Mar 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | TOPS M:0034 B:0009 L |
| Primary APN | TOPS M:0034 B:0009 L |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,563 sqft Living Area |
| Gross Area | 3,482 sqft |
| Basement Area | 825 sqft |
| Unfinished Basement | 192 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 42,902 sqft (0.985 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1652 |
|---|---|
| Street Address | 22 ANDREWS RD |
| City | TOPSFIELD |
| State | MA |
| Zip | 01983-1547 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IRA |
| Legal Block | 9 |
| Jurisdiction | TOPSFIELD MA |
| Township / Civil Division | TOPSFIELD |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 214100 |
22 Andrews Rd is owned and occupied by two individuals who bought it in June 2019.
Source: Essex County and Topsfield Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 22 ANDREWS RD, TOPSFIELD, MA 01983-1547 |
| 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.
| Date | Document |
|---|---|
| Jun 22, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance TREMONT CREDIT UNION |
| Mar 11, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance PROVIDENT FUNDING ASSOCIATES LP |
| Jun 14, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 14, 2019 · Amount on File |
| Deed Sale | Jun 14, 2019 · Amount on File |
| Prior Sale | Dec 30, 1999 · Amount on File |
| Deed Document Number | 20194210 |
| Deed Book / Page | 37587 / 195 |
| Prior Transfer Date | Jun 4, 2019 |
| Prior Transfer Doc | 37587-195 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 22 ANDREWS RD, TOPSFIELD, MA 01983-1547 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38632-370 |
|---|---|
| Date | Jun 22, 2020 |
| Book Page | 38632/370 |
| Instrument | 20200622001040 |
| Name | TREMONT CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 22 ANDREWS RD, TOPSFIELD, MA 01983-1547 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38327-559 |
|---|---|
| Date | Mar 11, 2020 |
| Book Page | 38327/559 |
| Instrument | 20200311003280 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Recording Date | Jun 14, 2019 |
| Property Address | 22 ANDREWS RD, TOPSFIELD, MA 01983-1547 |
| Document Number | 37587-195 |
| Book / Page | 37587 / 195 |
| Instrument Date | Jun 4, 2019 |
| Instrument | 20190614004210 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 22 ANDREWS RD, TOPSFIELD, MA 01983-1547 |
| Document Number | 190614004220 |
|---|---|
| Date | Jun 14, 2019 |
| Instrument | 190614004220 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 22 Andrews Rd was $10,745, up 8.3% from the year before.
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 | $10,745.00 (+8.26%) | $716,800 (+6.1%) Land $334,600 Building $382,200 | $697,300 |
| 2024 | $9,925.00 (+9.01%) | $675,600 (+12.79%) Land $317,000 Building $358,600 | |
| 2023 | $9,105.00 | $599,000 Land $299,400 Building $299,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 22 Andrews Rd in Zone X, an area of minimal flood risk, though there have been 5 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 | 3 in force |
| Nearby Flood Claims | 5 (1978–2010) |
| Claims Outside the SFHA | 3 of 5 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
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 risk around 22 Andrews Rd 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.
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 72 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 |
| AT&T Fixed Wireless | 100 / 20 |
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