Essex County and Topsfield Town property record for 58 Central St, Topsfield, MA 01983
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,968 sqft · built 1908 |
| Lot Size | 0.454 acres (19,759 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $595,000 (Aug 2020) |
| Tax Bill | $10,199 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Aug 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | TOPS M:0041 B:0113 L |
| Primary APN | TOPS M:0041 B:0113 L |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,968 sqft Living Area |
| Gross Area | 3,952 sqft |
| Basement Area | 882 sqft |
| Unfinished Basement | 882 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1908 |
|---|---|
| Effective Year Built | Effective 1908 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 19,759 sqft (0.454 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1859 |
|---|---|
| Street Address | 58 CENTRAL ST |
| City | TOPSFIELD |
| State | MA |
| Zip | 01983-1824 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CR |
| Legal Block | 113 |
| Jurisdiction | TOPSFIELD MA |
| Township / Civil Division | TOPSFIELD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 214100 |
58 Central St is owned and occupied by two individuals who bought it in August 2020.
Source: Essex County and Topsfield Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 58 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 |
|---|---|
| Sep 4, 2026 | Deed of Trust, Mortgage · Line of Credit INSTITUTION FOR SAVINGS |
| Aug 14, 2020 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2020 · Amount on File |
| Deed Sale | Aug 14, 2020 · Amount on File |
| Deed Book / Page | 38821 / 148 |
| Prior Transfer Date | Aug 12, 2020 |
| Prior Transfer Doc | 3882000148 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Recording Date | Sep 4, 2026 |
| Property Address | 58 CENTRAL ST, TOPSFIELD, MA 01983-1824 |
| Document Number | 0000000660 |
| Book / Page | 43611 / 505 |
| Instrument Date | Aug 31, 2026 |
| Instrument | 2026660 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 58 CENTRAL ST, TOPSFIELD, MA 01983-1824 |
| Document Number | 0000000660, |
|---|---|
| Date | Sep 4, 2026 |
| Book Page | 43611/505 |
| Instrument | 2026660 |
| Name | INSTITUTION FOR SAVINGS |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 1, 2046 |
| Max Rate | -1% |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Recording Date | Aug 14, 2020 |
| Property Address | 58 CENTER ST, GLOUCESTER, MA 01930-5719 |
| Document Number | 38821-148 |
| Book / Page | 38821 / 148 |
| Instrument Date | Aug 12, 2020 |
| Instrument | 20200814001730 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| 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 |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 58 CENTRAL ST, TOPSFIELD, MA 01983-1824 |
| Document Number | 200814001740 |
|---|---|
| Date | Aug 14, 2020 |
| Instrument | 200814001740 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 58 Central St was $10,199, 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 | $10,199.00 (+2.04%) | $680,400 (-) Land $331,400 Building $349,000 | $783,465 |
| 2024 | $9,995.00 (+1.22%) | $680,400 (+4.73%) Land $331,400 Building $349,000 | |
| 2023 | $9,875.00 | $649,700 Land $320,400 Building $329,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 58 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 58 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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