Essex County and Topsfield Town property record for 32 Central St, Topsfield, MA 01983
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,400 sqft · built 1995 |
| Lot Size | 0.897 acres (39,073 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $573,000 (Jul 2018) |
| Tax Bill | $11,539 (2025) |
| Deeds & Mortgages | Jul 2020 Refinance Oct 2018 Sale + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | TOPS M:0041 B:0047 L |
| Primary APN | TOPS M:0041 B:0047 L |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,400 sqft Living Area |
| Gross Area | 4,472 sqft |
| Basement Area | 936 sqft |
| Unfinished Basement | 936 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 39,073 sqft (0.897 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1853 |
|---|---|
| Street Address | 32 CENTRAL ST |
| City | TOPSFIELD |
| State | MA |
| Zip | 01983-1802 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CR |
| Legal Subdivision | SHAWN & BONNIE FLYNN |
| Legal Block | 47 |
| Jurisdiction | TOPSFIELD MA |
| Township / Civil Division | TOPSFIELD |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 214100 |
Source: Essex County and Topsfield Town records, as of July 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 32 CENTRAL ST, TOPSFIELD, MA 01983-1802 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 14, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA |
| Oct 12, 2018 | Grant Deed, Transfer |
| Jul 17, 2018 | Quit Claim Deed, Transfer JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 17, 2018 · Amount on Record |
| Deed Sale | Jul 17, 2018 · Amount on Record |
| Prior Sale | Sep 8, 1995 · Amount on Record |
| Deed Book / Page | 36868 / 506 |
| Transfer Doc | 036868-506 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 32 CENTRAL ST, TOPSFIELD, MA 01983-1802 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38710-43 |
|---|---|
| Date | Jul 14, 2020 |
| Book Page | 38710/43 |
| Instrument | 20200714002670 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Recording Date | Oct 12, 2018 |
| Property Address | 32 CENTRAL ST, TOPSFIELD, MA 01983-1802 |
| Document Number | 37078-325 |
| Book / Page | 037078 / 000325 |
| Instrument Date | Oct 10, 2018 |
| Instrument | 12004150 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 32 CENTRAL ST TOPSFIELD MA 019831802, TOPSFIELD, MA 01983-1802 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Recording Date | Jul 17, 2018 |
| Property Address | 32 CENTRAL ST, TOPSFIELD, MA 01983-1802 |
| Document Number | 36868-506 |
| Book / Page | 36868 / 506 |
| Instrument | 180717002400 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $86.05 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 32 CENTRAL ST, TOPSFIELD, MA 01983-1802 |
| Document Number | 368680508 |
|---|---|
| Date | Jul 17, 2018 |
| Instrument | 36868/0508 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 17, 2048 |
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 | $11,539.00 (+2.04%) | $769,800 (-) Land $279,000 Building $490,800 | $853,955 |
| 2024 | $11,308.00 (+7.52%) | $769,800 (+11.26%) Land $279,000 Building $490,800 | |
| 2023 | $10,517.00 | $691,900 Land $269,700 Building $422,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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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