28 Wilmor Rd, Topsfield, MA 01983 Property Records

Essex County and Topsfield Town property record for 28 Wilmor Rd, Topsfield, MA 01983

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,460 sqft · built 1969
Lot Size	3.1 acres (135,036 sqft)
Owner	2 Trust Names on File
Last Sale	$540,000 (Jul 2012)
Tax Bill	$12,959 (2025)
Deeds & Mortgages	Jan 2021 Refinance Aug 2021 Line of Credit + 2 more
Flood Zone	Zone A (high risk)
APN	`TOPS M:0010 B:0006 L`

Property Details

APN / Parcel Number

Primary APN	`TOPS M:0010 B:0006 L`
Alternative APN	`5`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,460 sqft Living Area
Gross Area	4,684 sqft
Basement Area	988 sqft
Unfinished Basement	988 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	135,036 sqft (3.1 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	28 WILMOR RD
City	TOPSFIELD
State	MA
Zip	01983-1021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORA
Legal Block	6
Jurisdiction	TOPSFIELD MA
Township / Civil Division	TOPSFIELD
Census Block Group	3
Census Block	3010
Census Tract	214100

Owner

28 Wilmor Rd is owner-occupied and held in a trust since May 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	28 WILMOR RD, TOPSFIELD, MA 01983-1021
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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
Jan 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Aug 25, 2021	Deed of Trust, Mortgage · Line of Credit CHELSEA EMPLOYEE FEDERAL CREDIT UNION
Aug 25, 2021	Deed of Trust, Mortgage · Line of Credit CHELSEA EMPLOYEE FEDERAL CREDIT UNION
Jul 7, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2012 · Amount on File
Deed Sale	Jul 31, 2012 · Amount on File
Deed Book / Page	31575 / 108
Last Transfer Date	May 16, 2024
Transfer Doc	042143-600
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	28 WILMOR RD, TOPSFIELD, MA 01983-1021
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039461-329
Date	Jan 27, 2021
Book Page	39461/329
Instrument	20210127004480

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

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

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	28 WILMOR RD, TOPSFIELD, MA 01983-1021
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040208-184
Date	Aug 25, 2021
Book Page	40208/184
Instrument	20210825001830

Lender

Name	CHELSEA EMPLOYEE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

Interest

Rate Type	Adjustable Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	28 WILMOR RD, TOPSFIELD, MA 01983-1021
Transaction Type	Mortgage
Record Updated	Sep 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40208-184
Date	Aug 25, 2021
Book Page	40208/184
Instrument	20210825001830

Lender

Name	CHELSEA EMPLOYEE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

Interest

Rate Type	Adjustable Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	28 WILMOR RD, TOPSFIELD, MA 01983-1021
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38686-297
Date	Jul 7, 2020
Book Page	38686/297
Instrument	20200707001190

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 28 Wilmor Rd was $12,959, up 3.6% 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	$12,959.00 (+3.61%)	$864,500 (+1.54%) Land $441,800 Building $422,700	$1,019,920
2024	$12,507.00 (+10.42%)	$851,400 (+14.25%) Land $428,700 Building $422,700
2023	$11,327.00	$745,200 Land $403,900 Building $341,300

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

Flood

FEMA maps place 28 Wilmor Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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 28 Wilmor 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 93% of the US · lower than 83% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 76 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G and 4G LTE (outdoors only)

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