45 Timber Ln, Topsfield, MA 01983 Property Records

Essex County and Topsfield Town property record for 45 Timber Ln, Topsfield, MA 01983

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,653 sqft · built 1971
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$595,000 (Jun 2013)
Tax Bill	$13,440 (2025)
Deeds & Mortgages	Oct 2024 Refinance Jan 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`TOPS M:0011 B:0032 L`

Property Details

APN / Parcel Number

Primary APN	`TOPS M:0011 B:0032 L`
Alternative APN	`406`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,653 sqft Living Area
Gross Area	4,915 sqft
Basement Area	1,193 sqft
Unfinished Basement	1,193 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	406
Street Address	45 TIMBER LN
City	TOPSFIELD
State	MA
Zip	01983-1107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORA
Legal Block	32
Jurisdiction	TOPSFIELD MA
Township / Civil Division	TOPSFIELD
Census Block Group	3
Census Block	3001
Census Tract	214100

Owner

45 Timber Ln is owned and occupied by two individuals who bought it in June 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	45 TIMBER LN, TOPSFIELD, MA 01983-1107
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 4, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance LYNN POLICE CREDIT UNION
Jan 26, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Apr 19, 2018	Deed of Trust, Mortgage LYNN POLICE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2013 · Amount on File
Deed Sale	Jun 3, 2013 · Amount on File
Deed Book / Page	32525 / 679
Record Updated	Sep 20, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	45 TIMBER LN, TOPSFIELD, MA 01983-1107
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042359-232
Date	Oct 4, 2024
Book Page	42359/232
Instrument	20241004000440

Lender

Name	LYNN POLICE CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	45 TIMBER LN, TOPSFIELD, MA 01983-1107
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040682-355
Date	Jan 26, 2022
Book Page	40682/355
Instrument	20220126002260

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Feb 1, 2047

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	45 TIMBER LN, TOPSFIELD, MA 01983-1107
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36658-218
Date	Apr 19, 2018
Book Page	36658/218
Instrument	180419003050

Lender

Name	LYNN POLICE CU

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 45 Timber Ln was $13,440, up 3.5% 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	$13,440.00 (+3.47%)	$896,600 (+1.4%) Land $405,500 Building $491,100	$1,037,590
2024	$12,989.00 (+8.61%)	$884,200 (+12.38%) Land $393,100 Building $491,100
2023	$11,959.00	$786,800 Land $372,400 Building $414,400

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

Flood

FEMA maps place 45 Timber Ln 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 AE, 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 45 Timber Ln 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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