Essex County and Topsfield Town property record for 50 Central St, Topsfield, MA 01983
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,306 sqft · built 1876 |
| Lot Size | 0.689 acres (30,017 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $249,000 (Nov 1998) |
| Tax Bill | $11,144 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Jan 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | TOPS M:0041 B:0111 L |
| Primary APN | TOPS M:0041 B:0111 L |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,306 sqft Living Area |
| Gross Area | 4,657 sqft |
| Basement Area | 777 sqft |
| Unfinished Basement | 777 sqft |
| Year Built | Built 1876 |
|---|---|
| Effective Year Built | Effective 1876 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 30,017 sqft (0.689 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1857 |
|---|---|
| Street Address | 50 CENTRAL ST |
| City | TOPSFIELD |
| State | MA |
| Zip | 01983-1824 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CR |
| Legal Block | 111 |
| Jurisdiction | TOPSFIELD MA |
| Township / Civil Division | TOPSFIELD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 214100 |
50 Central St is owned and occupied by two individuals who bought it in November 1998.
Source: Essex County and Topsfield Town records, as of September 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 50 CENTRAL ST, TOPSFIELD, MA 01983-1824 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Aug 25, 2026 | Deed of Trust, Mortgage · Line of Credit TD BANK |
| Jan 17, 2017 | Deed of Trust, Mortgage REPUBLIC STATE MTG CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 13, 1998 · Amount on File |
| Deed Sale | Nov 13, 1998 · Amount on File |
| Deed Book / Page | 15240 / 169 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Recording Date | Aug 25, 2026 |
| Property Address | 50 CENTRAL ST, TOPSFIELD, MA 01983-1824 |
| Document Number | 0000000870 |
| Book / Page | 43588 / 410 |
| Instrument Date | Aug 10, 2026 |
| Instrument | 2026870 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 50 CENTRAL ST, TOPSFIELD, MA 01983-1824 |
| Document Number | 0000000870, |
|---|---|
| Date | Aug 25, 2026 |
| Book Page | 43588/410 |
| Instrument | 2026870 |
| Name | TD BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 50 CENTRAL ST, TOPSFIELD, MA 01983-1824 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 35616-128 |
|---|---|
| Date | Jan 17, 2017 |
| Book Page | 35616/128 |
| Instrument | 380 |
| Name | REPUBLIC STATE MTG CO |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Jan 1, 2032 |
The 2025 property tax bill for 50 Central St was $11,144, up 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 | $11,144.00 (+2.04%) | $743,400 (-) Land $340,600 Building $402,800 | $850,250 |
| 2024 | $10,921.00 (-8.58%) | $743,400 (-5.41%) Land $340,600 Building $402,800 | |
| 2023 | $11,946.00 | $785,900 Land $329,300 Building $456,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 50 Central St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 ft |
| 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 |
|
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 50 Central St 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 | 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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