Essex County and Topsfield Town property record for 3 Summer St, Topsfield, MA 01983
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2 ba · 1,968 sqft · built 1935 |
| Owner | 2 Individual Names on File |
| Last Sale | $730,000 (Mar 2026) |
| Tax Bill | $9,685 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Mar 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | TOPS M:0041 B:0129 L:2 |
| Primary APN | TOPS M:0041 B:0129 L:2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,968 sqft Living Area |
| Gross Area | 2,583 sqft |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1475 |
|---|---|
| Street Address | 3 SUMMER ST |
| City | TOPSFIELD |
| State | MA |
| Zip | 01983-1814 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | CR |
| Legal Block | 129 |
| Legal Lot Number | 2 |
| Jurisdiction | TOPSFIELD MA |
| Township / Civil Division | TOPSFIELD |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 214100 |
3 Summer St, a condominium, is owned by two individuals who bought it in March 2026.
Source: Essex County and Topsfield Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3 SUMMER ST, 2, TOPSFIELD, MA 01983-1814 |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
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 |
|---|---|
| Jul 31, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC |
| Mar 19, 2026 | Quit Claim Deed, Transfer · ARM SALEM FIVE MTG CO LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 19, 2026 · Amount on File |
| Deed Sale | Mar 19, 2026 · Amount on File |
| Prior Sale | Apr 13, 2023 · Amount on File |
| Deed Document Number | 20261410 |
| Deed Book / Page | 43281 / 229 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Recording Date | Jul 31, 2026 |
| Property Address | 3 SUMMER ST, TOPSFIELD, MA 01983-1814 |
| Document Number | 0000005760 |
| Book / Page | 43545 / 576 |
| Instrument Date | Jul 31, 2026 |
| Instrument | 20265760 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3 SUMMER ST, TOPSFIELD, MA 01983-1814 |
| Document Number | 0000005760, |
|---|---|
| Date | Jul 31, 2026 |
| Book Page | 43545/576 |
| Instrument | 20265760 |
| Name | CMG MORTGAGE INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.43% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Recording Date | Mar 19, 2026 |
| Property Address | 3 SUMMER ST, TOPSFIELD, MA 01983-1814 |
| Document Number | 043281-229 |
| Book / Page | 43281 / 229 |
| Instrument Date | Mar 7, 2026 |
| Instrument | 20260319001410 |
| Transaction Type | Transfer |
| Record Updated | Apr 8, 2026 |
| 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 |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3 SUMMER ST # 2, 2, TOPSFIELD, MA 01983-1814 |
| Document Number | 0000000142 |
|---|---|
| Date | Mar 19, 2026 |
| Instrument | 142 |
| Name | SALEM FIVE MTG CO LLC |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | Apr 1, 2033 |
| Index | LIBOR |
The 2025 property tax bill for 3 Summer St was $9,685.
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 | $9,685.00 | $646,100 Building $646,100 | $558,790 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Summer 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 |
|
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 Summer 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.
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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