Essex County and Topsfield Town property record for 48 High St, Topsfield, MA 01983
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,462 sqft · built 1860 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $600,000 (Aug 2021) |
| Tax Bill | $9,730 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | TOPS M:0041 B:0079 L |
| Primary APN | TOPS M:0041 B:0079 L |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,462 sqft Living Area |
| Gross Area | 3,318 sqft |
| Basement Area | 405 sqft |
| Unfinished Basement | 405 sqft |
| Year Built | Built 1860 |
|---|---|
| Effective Year Built | Effective 1860 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 17,860 sqft (0.41 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1631 |
|---|---|
| Street Address | 48 HIGH ST |
| City | TOPSFIELD |
| State | MA |
| Zip | 01983-1416 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CR |
| Legal Block | 79 |
| Jurisdiction | TOPSFIELD MA |
| Township / Civil Division | TOPSFIELD |
| Census Block Group | 3 |
| Census Block | 3030 |
| Census Tract | 214100 |
Source: Essex County and Topsfield Town records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 48 HIGH ST, TOPSFIELD, MA 01983-1416 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 10, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Aug 20, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROSS MORTGAGE COMPANY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 20, 2021 · Amount on Record |
| Deed Sale | Aug 20, 2021 · Amount on Record |
| Prior Sale | May 22, 1998 · Amount on Record |
| Deed Book / Page | 40194 / 238 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 48 HIGH ST, TOPSFIELD, MA 01983-1416 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 043118-568 |
|---|---|
| Date | Dec 10, 2025 |
| Book Page | 43118/568 |
| Instrument | 20251210000970 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 289 Months |
| Due | Jan 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Recording Date | Aug 20, 2021 |
| Property Address | 48 HIGH ST, TOPSFIELD, MA 01983-1416 |
| Document Number | 040194-238 |
| Book / Page | 40194 / 238 |
| Instrument Date | Aug 20, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2026 |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Address | 48 HIGH ST, TOPSFIELD, MA 01983-1416 |
| Document Number | 0040194243 |
|---|---|
| Date | Aug 20, 2021 |
| Instrument | 40194/243 |
| Name | ROSS MORTGAGE COMPANY INC |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $9,730.00 (+2.05%) | $649,100 (-) Land $313,200 Building $335,900 | $930,715 |
| 2024 | $9,535.00 (+6.83%) | $649,100 (+10.54%) Land $313,200 Building $335,900 | |
| 2023 | $8,925.00 | $587,200 Land $302,800 Building $284,400 |
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 X minimal risk |
|---|---|
| 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.
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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