Essex County and Topsfield Town property record for 27 Prospect St, Topsfield, MA 01983
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,967 sqft · built 1860 |
| Lot Size | 9.24 acres (402,494 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $1,095,000 (Apr 2021) |
| Tax Bill | $16,559 (2025) |
| Deeds & Mortgages | Jan 2021 Refinance Mar 2026 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | TOPS M:0040 B:0005 L |
| Primary APN | TOPS M:0040 B:0005 L |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,967 sqft Living Area |
| Gross Area | 4,923 sqft |
| Basement Area | 832 sqft |
| Unfinished Basement | 832 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1860 |
|---|---|
| Effective Year Built | Effective 1860 |
| Architectural Style | Historical |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 402,494 sqft (9.24 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 1278 |
|---|---|
| Street Address | 27 PROSPECT ST |
| City | TOPSFIELD |
| State | MA |
| Zip | 01983-1715 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IRA |
| Legal Block | 5 |
| Jurisdiction | TOPSFIELD MA |
| Township / Civil Division | TOPSFIELD |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 214100 |
Source: Essex County and Topsfield Town records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Trust Names on Record |
|---|---|
| Mailing Address | 27 PROSPECT ST, TOPSFIELD, MA 01983-1715 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Jan 20, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Mar 11, 2026 | Quit Claim Deed, Transfer Quitclaim |
| Apr 1, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE AFFINITY LLC |
| May 29, 2019 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LCC |
| May 12, 2017 | Quit Claim Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 2021 · Amount on Record |
| Deed Sale | Apr 1, 2021 · Amount on Record |
| Prior Sale | May 12, 2017 · Amount on Record |
| Deed Book / Page | 39719 / 7 |
| Prior Transfer Date | Mar 31, 2021 |
| Prior Transfer Doc | 39719-7 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 27 PROSPECT ST, TOPSFIELD, MA 01983-1715 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 039429-334 |
|---|---|
| Date | Jan 20, 2021 |
| Book Page | 39429/334 |
| Instrument | 20210120000670 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Feb 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Recording Date | Mar 11, 2026 |
| Property Address | 27 PROSPECT ST, TOPSFIELD, MA 01983-1715 |
| Document Number | 043266-331 |
| Book / Page | 43266 / 331 |
| Instrument Date | Mar 11, 2026 |
| Instrument | 1770 |
| Transaction Type | Transfer |
| Record Updated | Mar 31, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 27 PROSPECT ST, TOPSFIELD, MA 01983-1715 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Recording Date | Apr 1, 2021 |
| Property Address | 27 PROSPECT ST, TOPSFIELD, MA 01983-1715 |
| Document Number | 00039719-7 |
| Book / Page | 39719 / 7 |
| Instrument Date | Mar 31, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2026 |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 27 PROSPECT ST, TOPSFIELD, MA 01983-1715 |
| Document Number | 0000397199 |
|---|---|
| Date | Apr 1, 2021 |
| Instrument | 39719/9 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 27 PROSPECT ST, TOPSFIELD, MA 01983-1715 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 37540-397 |
|---|---|
| Date | May 29, 2019 |
| Book Page | 37540/397 |
| Instrument | 20190529000220 |
| Name | FIGURE LENDING LCC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Recording Date | May 12, 2017 |
| Property Address | 27 PROSPECT ST, TOPSFIELD, MA 01983-1715 |
| Document Number | 35863-568 |
| Book / Page | 035863 / 000568 |
| Instrument Date | May 10, 2017 |
| Instrument | 1705120544 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2018 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,397.20 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 27 PROSPECT ST TOPSFIELD MA 019831715, TOPSFIELD, MA 01983-1715 |
| Document Number | 35863-570 |
|---|---|
| Date | May 12, 2017 |
| Book Page | 035863/000570 |
| Instrument | 1705120545 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 11, 2047 |
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 | $16,559.00 (+2.04%) | $1,104,700 (-) Land $544,200 Building $560,500 | $1,317,460 |
| 2024 | $16,228.00 (+4.96%) | $1,104,700 (+8.6%) Land $544,200 Building $560,500 | |
| 2023 | $15,461.00 | $1,017,200 Land $496,400 Building $520,800 |
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 |
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 150 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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