Essex County and Topsfield Town property record for 55 Prospect St, Topsfield, MA 01983
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,187 sqft · built 1996 |
| Lot Size | 5.44 acres (236,966 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $995,000 (Oct 2019) |
| Tax Bill | $19,237 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | TOPS M:0040 B:0001 L |
| Primary APN | TOPS M:0040 B:0001 L |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,187 sqft Living Area |
| Gross Area | 7,643 sqft |
| Basement Area | 1,764 sqft |
| Unfinished Basement | 1,764 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 236,966 sqft (5.44 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 1274 |
|---|---|
| Street Address | 55 PROSPECT ST |
| City | TOPSFIELD |
| State | MA |
| Zip | 01983-1715 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IRA |
| Legal Block | 1 |
| Jurisdiction | TOPSFIELD MA |
| Township / Civil Division | TOPSFIELD |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 214100 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the River Road-Cross Street Historic District listed 2005 · 52 contributing resources · NRIS 05000465 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 | 55 PROSPECT ST, TOPSFIELD, MA 01983-1715 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 22, 2022 | Deed of Trust, Mortgage · ARM DIRECT CU |
| Oct 1, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage SANTANDER BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 2019 · Amount on Record |
| Deed Sale | Oct 1, 2019 · Amount on Record |
| Prior Sale | Dec 23, 1996 · Amount on Record |
| Deed Book / Page | 37894 / 144 |
| Prior Transfer Date | Sep 24, 2019 |
| Prior Transfer Doc | 37894-144 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 55 PROSPECT ST, TOPSFIELD, MA 01983-1715 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 040808-333 |
|---|---|
| Date | Mar 22, 2022 |
| Book Page | 40808/333 |
| Instrument | 20220322003680 |
| Name | DIRECT CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.38% |
| Type Change Date | Apr 1, 2032 |
| Index | 1-Year CMT |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Recording Date | Oct 1, 2019 |
| Property Address | 55 PROSPECT ST, TOPSFIELD, MA 01983-1715 |
| Document Number | 37894-144 |
| Book / Page | 37894 / 144 |
| Instrument Date | Sep 24, 2019 |
| Instrument | 20191001001780 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| 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 | 55 PROSPECT ST, TOPSFIELD, MA 01983-1715 |
| Document Number | 191001001790 |
|---|---|
| Date | Oct 1, 2019 |
| Instrument | 191001001790 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | Nov 1, 2034 |
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 | $19,237.00 (+2.04%) | $1,283,300 (-) Land $487,200 Building $796,100 | $1,294,280 |
| 2024 | $18,852.00 (+20.45%) | $1,283,300 (+24.63%) Land $487,200 Building $796,100 | |
| 2023 | $15,651.00 | $1,029,700 Land $450,800 Building $578,900 |
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 |
| 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 |
|
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 | None beyond ember reach |
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 150 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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