Essex County and Topsfield Town property record for 46 Garden St, Topsfield, MA 01983
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,934 sqft · built 1968 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $520,000 (Aug 2008) |
| Tax Bill | $16,772 (2025) |
| Deeds & Mortgages | Oct 2021 Refinance Dec 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | TOPS M:0069 B:0007 L |
| Primary APN | TOPS M:0069 B:0007 L |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,934 sqft Living Area |
| Gross Area | 6,426 sqft |
| Basement Area | 1,216 sqft |
| Unfinished Basement | 1,216 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 87,120 sqft (2 acres) |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1906 |
|---|---|
| Street Address | 46 GARDEN ST |
| City | TOPSFIELD |
| State | MA |
| Zip | 01983-2402 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ORA |
| Legal Subdivision | TOPSFIELD |
| Legal Block | 7 |
| Jurisdiction | TOPSFIELD MA |
| Township / Civil Division | TOPSFIELD |
| Census Block Group | 4 |
| Census Block | 4017 |
| Census Tract | 214100 |
46 Garden St is owner-occupied and held in a trust since August 2008.
Source: Essex County and Topsfield Town records, as of July 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 46 GARDEN ST, TOPSFIELD, MA 01983-2402 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | 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 12, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance INSTITUTION FOR SAVINGS NEWBURYPORT |
| Dec 5, 2017 | Deed of Trust, Mortgage · Closed-End Mortgage INST SVGS NEWBURYPORT |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 8, 2008 · Amount on File |
| Deed Sale | Aug 8, 2008 · Amount on File |
| Deed Book / Page | 27971 / 74 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 46 GARDEN ST, TOPSFIELD, MA 01983-2402 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 40369-189 |
|---|---|
| Date | Oct 12, 2021 |
| Book Page | 40369/189 |
| Instrument | 20211012003680 |
| Name | INSTITUTION FOR SAVINGS NEWBURYPORT |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 46 GARDEN ST, TOPSFIELD, MA 01983-2402 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 36381-288 |
|---|---|
| Date | Dec 5, 2017 |
| Book Page | 36381/288 |
| Instrument | 171205001830 |
| Name | INST SVGS NEWBURYPORT |
|---|---|
| Type | Bank |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 46 Garden St was $16,772, up 7.2% 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 | Assessed Market Value |
|---|---|---|---|
| 2025 | $16,772.00 (+7.18%) | $1,118,900 (+5.03%) Land $372,400 Building $746,500 | $1,052,505 |
| 2024 | $15,649.00 | $1,065,300 Land $352,800 Building $712,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46 Garden St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1996.
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 | 2 in force |
| Nearby Flood Claims | 6 (1996–2010) |
| 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 46 Garden St 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 93% of the US · lower than 83% 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.
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 31 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber | 980 / 880 |
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