48 Pemberton Rd, Topsfield, MA 01983 Property Records

Essex County and Topsfield Town property record for 48 Pemberton Rd, Topsfield, MA 01983

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,356 sqft · built 1916
Lot Size	0.869 acres (37,862 sqft)
Owner	2 Individual Names on Record
Last Sale	$819,000 (Oct 2024)
Tax Bill	$11,238 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`TOPS M:0049 B:0016 L`

Property Details

APN / Parcel Number

Primary APN	`TOPS M:0049 B:0016 L`
Alternative APN	`1489`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,356 sqft Living Area
Gross Area	3,684 sqft
Basement Area	784 sqft
Unfinished Basement	784 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	37,862 sqft (0.869 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	1489
Street Address	48 PEMBERTON RD
City	TOPSFIELD
State	MA
Zip	01983-1808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR
Legal Block	16
Jurisdiction	TOPSFIELD MA
Township / Civil Division	TOPSFIELD
Census Block Group	2
Census Block	2022
Census Tract	214100

Owner

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	2 Individual Names on Record
Mailing Address	48 PEMBERTON RD, TOPSFIELD, MA 01983-1808
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2024 · Amount on Record
Deed Sale	Oct 25, 2024 · Amount on Record
Prior Sale	Nov 20, 2019 · Amount on Record
Deed Book / Page	42394 / 254
Prior Transfer Date	Nov 15, 2019
Prior Transfer Doc	38046-202
Record Updated	Oct 29, 2026

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TOPSFIELD MA
Recording Date	Nov 20, 2019
Property Address	48 PEMBERTON RD, TOPSFIELD, MA 01983-1808
Document Number	38046-202
Book / Page	038046 / 000202
Instrument Date	Nov 15, 2019
Instrument	1120005050
Transaction Type	Transfer
Record Updated	Dec 10, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,503.44
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	48 PEMBERTON RD TOPSFIELD MA 019831808, TOPSFIELD, MA 01983-1808

Mortgage

Document Number	38046-204
Date	Nov 20, 2019
Book Page	038046/000204
Instrument	1120005060

Lender

Name	GUARANTEED RATE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 19, 2049

Tax Assessment & Valuation

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	$11,238.00 (+2.04%)	$749,700 (-) Land $347,700 Building $402,000	$777,575
2024	$11,013.00 (+1.15%)	$749,700 (+4.66%) Land $347,700 Building $402,000
2023	$10,888.00	$716,300 Land $336,100 Building $380,200

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

Flood

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	Severe Storms And Flooding, Mar 2010 · 2 claims Severe Storms And Flooding, May 2006 · 5 claims Flooding, Apr 2004 · 2 claims

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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