Essex County and Topsfield Town property record for 3 Dover Hill Rd, Topsfield, MA 01983
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,894 sqft · built 1990 |
| Lot Size | 0.918 acres (40,001 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $510,000 (Oct 2014) |
| Tax Bill | $13,104 (2025) |
| Deeds & Mortgages | Oct 2026 Line of Credit Jan 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | TOPS M:0041 B:0096 L |
| Primary APN | TOPS M:0041 B:0096 L |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,894 sqft Living Area |
| Gross Area | 5,887 sqft |
| Basement Area | 1,206 sqft |
| Unfinished Basement | 1,206 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 40,001 sqft (0.918 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1807 |
|---|---|
| Street Address | 3 DOVER HILL RD |
| City | TOPSFIELD |
| State | MA |
| Zip | 01983-1925 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IRA |
| Legal Block | 96 |
| Jurisdiction | TOPSFIELD MA |
| Township / Civil Division | TOPSFIELD |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 214100 |
3 Dover Hill Rd is owner-occupied and held in a trust since March 2025.
Source: Essex County and Topsfield Town records, as of October 21, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 3 DOVER HILL RD, TOPSFIELD, MA 01983-1925 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
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 |
|---|---|
| Oct 2, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jan 3, 2018 | Deed of Trust, Mortgage HINGHAM INSTITUTION FOR SAVINGS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 2014 · Amount on File |
| Deed Sale | Oct 23, 2014 · Amount on File |
| Prior Sale | Dec 19, 1990 · Amount on File |
| Deed Book / Page | 33623 / 564 |
| Last Transfer Date | Mar 24, 2025 |
| Transfer Doc | 042642-110 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Recording Date | Oct 2, 2026 |
| Property Address | 3 DOVER HILL RD, TOPSFIELD, MA 01983-1925 |
| Document Number | 0000000310 |
| Book / Page | 43665 / 513 |
| Instrument Date | Sep 19, 2026 |
| Instrument | 2026310 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000000310, |
|---|---|
| Date | Oct 2, 2026 |
| Book Page | 43665/513 |
| Instrument | 2026310 |
| Name | CITIZENS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Nov 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 3 DOVER HILL RD, TOPSFIELD, MA 01983-1925 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 36451-395 |
|---|---|
| Date | Jan 3, 2018 |
| Book Page | 36451/395 |
| Instrument | 180103005050 |
| Name | HINGHAM INSTITUTION FOR SAVINGS |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 1, 2048 |
The 2025 property tax bill for 3 Dover Hill Rd was $13,104, up 7.1% 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 |
|---|---|---|
| 2025 | $13,104.00 (+7.1%) | $874,200 (+4.96%) Land $332,200 Building $542,000 |
| 2024 | $12,235.00 (+17.06%) | $832,900 (+21.13%) Land $314,700 Building $518,200 |
| 2023 | $10,452.00 | $687,600 Land $297,200 Building $390,400 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 3 Dover Hill 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 3 Dover Hill 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 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 |
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