5 Heritage Ln, Topsfield, MA 01983 Property Records

Essex County and Topsfield Town property record for 5 Heritage Ln, Topsfield, MA 01983

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,026 sqft · built 1986
Lot Size	0.971 acres (42,292 sqft)
Owner	2 Individual Names on File
Last Sale	$642,500 (Mar 2014)
Tax Bill	$15,393 (2025)
Deeds & Mortgages	Dec 2022 Refinance Sep 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`TOPS M:0031 B:0029 L`

Property Details

APN / Parcel Number

Primary APN	`TOPS M:0031 B:0029 L`
Alternative APN	`1078`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,026 sqft Living Area
Gross Area	5,489 sqft
Basement Area	1,592 sqft
Unfinished Basement	1,592 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	42,292 sqft (0.971 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1078
Street Address	5 HERITAGE LN
City	TOPSFIELD
State	MA
Zip	01983-1641
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IRA
Legal Subdivision	HERITAGE MDW
Legal Block	29
Jurisdiction	TOPSFIELD MA
Township / Civil Division	TOPSFIELD
Census Block Group	2
Census Block	2007
Census Tract	214100

Owner

5 Heritage Ln is owned and occupied by two individuals who bought it in March 2014.

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 File
Mailing Address	5 HERITAGE LN, TOPSFIELD, MA 01983-1641
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BERKSHIRE BANK
Sep 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BERKSHIRE BANK
Sep 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BERKSHIRE BANK
Jun 15, 2018	Deed of Trust, Mortgage · Line of Credit BERKSHIRE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2014 · Amount on File
Deed Sale	Mar 28, 2014 · Amount on File
Deed Book / Page	33186 / 184
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	5 HERITAGE LN, TOPSFIELD, MA 01983-1641
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041368-114
Date	Dec 22, 2022
Book Page	41368/114
Instrument	20221222002530

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	289 Months
Due	Jan 1, 2047

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	5 HERITAGE LN, TOPSFIELD, MA 01983-1641
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040327-444
Date	Sep 29, 2021
Book Page	40327/444
Instrument	20210929003330

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	5 HERITAGE LN, TOPSFIELD, MA 01983-1641
Transaction Type	Mortgage
Record Updated	Oct 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40327-444
Date	Sep 29, 2021
Book Page	40327/444
Instrument	20210929003330

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	5 HERITAGE LN, TOPSFIELD, MA 01983-1641
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36790-293
Date	Jun 15, 2018
Book Page	36790/293
Instrument	180615004330

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 1, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 5 Heritage Ln was $15,393, up 4% 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	$15,393.00 (+4.01%)	$1,026,900 (+1.94%) Land $371,200 Building $655,700	$1,050,130
2024	$14,799.00 (+11.17%)	$1,007,400 (+15.03%) Land $351,700 Building $655,700
2023	$13,312.00	$875,800 Land $332,200 Building $543,600

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

Flood

FEMA maps place 5 Heritage Ln in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1978.

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
Flood Insurance Cost	Premium on File 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

Wildfire risk around 5 Heritage 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.

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 149 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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