5 Ross Rd, Topsfield, MA 01983 Property Records

Essex County and Topsfield Town property record for 5 Ross Rd, Topsfield, MA 01983

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,798 sqft · built 2007
Lot Size	0.459 acres (19,998 sqft)
Owner	2 Individual Names on Record
Last Sale	$865,000 (Aug 2021)
Tax Bill	$13,830 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Mar 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`TOPS M:0039 B:0008 L`

Property Details

APN / Parcel Number

Primary APN	`TOPS M:0039 B:0008 L`
Alternative APN	`997`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,798 sqft Living Area
Gross Area	5,324 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,998 sqft (0.459 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Heating Fuel	Oil

Location & Zoning

Account Number	997
Street Address	5 ROSS RD
City	TOPSFIELD
State	MA
Zip	01983-1618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IRA
Legal Block	8
Jurisdiction	TOPSFIELD MA
Township / Civil Division	TOPSFIELD
Census Block Group	2
Census Block	2010
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	5 ROSS RD, TOPSFIELD, MA 01983-1618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA
Mar 16, 2018	Deed of Trust, Mortgage · Line of Credit TD BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2021 · Amount on Record
Deed Sale	Aug 10, 2021 · Amount on Record
Prior Sale	Sep 12, 2002 · Amount on Record
Prior Transfer Date	Aug 9, 2021
Prior Transfer Doc	628084
Record Updated	Sep 20, 2026

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TOPSFIELD MA
Recording Date	Aug 10, 2021
Property Address	5 ROSS RD, TOPSFIELD, MA 01983-1618
Document Number	628084
Instrument Date	Aug 9, 2021
Instrument	628084
Transaction Type	Transfer
Record Updated	Aug 27, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5 ROSS RD, TOPSFIELD, MA 01983-1618
Investor	Possibly a Property Investor

Mortgage

Document Number	628085
Date	Aug 10, 2021
Instrument	628085

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	5 ROSS RD, TOPSFIELD, MA 01983-1618
Document Number	0000591299
Instrument Date	Mar 16, 2018
Transaction Type	Mortgage
Record Updated	Apr 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000591299
Date	Mar 23, 2018
Instrument	591299

Lender

Name	TD BK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 22, 2048

Interest

Rate Type	Adjustable Rate

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	$13,830.00 (+2.51%)	$922,600 (+0.46%) Land $331,600 Building $591,000	$995,125
2024	$13,491.00 (+9.44%)	$918,400 (+13.24%) Land $331,600 Building $586,800
2023	$12,327.00	$811,000 Land $320,600 Building $490,400

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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	None beyond ember reach

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 84 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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