3 Wilmor Rd, Topsfield, MA 01983 Property Records

Essex County and Topsfield Town property record for 3 Wilmor Rd, Topsfield, MA 01983

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,382 sqft · built 1968
Lot Size	2.05 acres (89,298 sqft)
Owner	2 Individual Names on File
Last Sale	$1,035,000 (May 2025)
Tax Bill	$12,716 (2025)
Deeds & Mortgages	Feb 2021 Refinance May 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`TOPS M:0010 B:0015 L`

Property Details

APN / Parcel Number

Primary APN	`TOPS M:0010 B:0015 L`
Alternative APN	`401`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,382 sqft Living Area
Gross Area	4,574 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	89,298 sqft (2.05 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	401
Street Address	3 WILMOR RD
City	TOPSFIELD
State	MA
Zip	01983-1020
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORA
Legal Block	15
Jurisdiction	TOPSFIELD MA
Township / Civil Division	TOPSFIELD
Census Block Group	3
Census Block	3011
Census Tract	214100

Owner

3 Wilmor Rd is owned and occupied by two individuals who bought it in May 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 WILMOR RD, TOPSFIELD, MA 01983-1020
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Feb 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
May 9, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage INSTITUTION FOR SAVINGS NEWBURYPORT
May 28, 2020	Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2025 · Amount on File
Deed Sale	May 9, 2025 · Amount on File
Prior Sale	Nov 4, 2016 · Amount on File
Deed Book / Page	42707 / 51
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	3 WILMOR RD, TOPSFIELD, MA 01983-1020
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039528-186
Date	Feb 12, 2021
Book Page	39528/186
Instrument	20210212006430

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

May 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TOPSFIELD MA
Recording Date	May 9, 2025
Property Address	3 WILMOR RD, TOPSFIELD, MA 01983-1020
Document Number	0042707-51
Book / Page	42707 / 51
Instrument Date	May 9, 2025
Instrument	20250509001900
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3 WILMOR RD, TOPSFIELD, MA 01983-1020

Mortgage

Document Number	20250509001910
Date	May 9, 2025
Instrument	20250509001910

Lender

Name	INSTITUTION FOR SAVINGS NEWBURYPORT
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	3 WILMOR RD, TOPSFIELD, MA 01983-1020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38558-150
Date	May 28, 2020
Book Page	38558/150
Instrument	20200528003870

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 3 Wilmor Rd was $12,716, 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	$12,716.00 (+3.64%)	$848,300 (+1.57%) Land $427,700 Building $420,600	$977,360
2024	$12,269.00 (+10.43%)	$835,200 (+14.27%) Land $414,600 Building $420,600
2023	$11,110.00	$730,900 Land $392,600 Building $338,300

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

Flood

FEMA maps place 3 Wilmor Rd in Zone X, an area of minimal flood risk, within 100 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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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 3 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 94% of the US · lower than 86% of Massachusetts
Wildfire Likelihood	Under 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.

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 (outdoors only) and 4G LTE

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