28 S Main St, Topsfield, MA 01983 Property Records

Essex County and Topsfield Town property record for 28 S Main St, Topsfield, MA 01983

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,098 sqft · built 1844
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Last Sale	$522,000 (Sep 2016)
Tax Bill	$10,991 (2025)
Deeds & Mortgages	Mar 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`TOPS M:0041 B:0001 L`

Property Details

APN / Parcel Number

Primary APN	`TOPS M:0041 B:0001 L`
Alternative APN	`1471`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,098 sqft Living Area
Gross Area	3,595 sqft
Basement Area	616 sqft
Unfinished Basement	616 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1844
Effective Year Built	Effective 1844
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	1471
Street Address	28 S MAIN ST
City	TOPSFIELD
State	MA
Zip	01983-1847
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR
Legal Block	1
Jurisdiction	TOPSFIELD MA
Township / Civil Division	TOPSFIELD
Census Block Group	2
Census Block	2014
Census Tract	214100

Owner

28 S Main St is owned and occupied by two individuals who bought it in September 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	28 S MAIN ST, TOPSFIELD, MA 01983-1847
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2016 · Amount on File
Deed Sale	Sep 13, 2016 · Amount on File
Prior Sale	Feb 12, 2007 · Amount on File
Deed Book / Page	35254 / 197
Transfer Doc	035254-197
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	28 S MAIN ST, TOPSFIELD, MA 01983-1847
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039671-409
Date	Mar 22, 2021
Book Page	39671/409
Instrument	20210322003530

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 28 S Main St was $10,991, up 4.6% 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	$10,991.00 (+4.63%)	$733,200 (+2.53%) Land $343,900 Building $389,300	$803,320
2024	$10,505.00 (+13.36%)	$715,100 (+17.29%) Land $325,800 Building $389,300
2023	$9,267.00	$609,700 Land $307,700 Building $302,000

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

Flood

FEMA maps place 28 S Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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	Severe Storms And Flooding, Mar 2010 · 2 claims Severe Storms And Flooding, May 2006 · 5 claims Flooding, Apr 2004 · 2 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 28 S Main St 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	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 131 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20