Essex County and Topsfield Town property record for 64 Central St, Topsfield, MA 01983
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,653 sqft · built 1900 |
| Lot Size | 0.65 acres (28,314 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $525,000 (Mar 2019) |
| Tax Bill | $9,964 (2025) |
| Deeds & Mortgages | Apr 2021 Refinance Sep 2017 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | TOPS M:0041 B:0115 L |
| Primary APN | TOPS M:0041 B:0115 L |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,653 sqft Living Area |
| Gross Area | 3,710 sqft |
| Basement Area | 810 sqft |
| Unfinished Basement | 810 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 28,314 sqft (0.65 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1861 |
|---|---|
| Street Address | 64 CENTRAL ST |
| City | TOPSFIELD |
| State | MA |
| Zip | 01983-1824 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CR |
| Legal Block | 115 |
| Jurisdiction | TOPSFIELD MA |
| Township / Civil Division | TOPSFIELD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 214100 |
64 Central St is owned and occupied by two individuals who bought it in March 2019.
Source: Essex County and Topsfield Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 64 CENTRAL ST, TOPSFIELD, MA 01983-1824 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Apr 6, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC |
| Sep 26, 2017 | Deed of Trust, Mortgage · Line of Credit EASTERN BANK |
| Mar 28, 2019 | Quit Claim Deed, Transfer · Conventional with PMI GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 28, 2019 · Amount on File |
| Deed Sale | Mar 28, 2019 · Amount on File |
| Prior Sale | Jul 31, 2012 · Amount on File |
| Deed Document Number | 20192750 |
| Deed Book / Page | 37407 / 510 |
| Prior Transfer Date | Mar 27, 2019 |
| Prior Transfer Doc | 37407-510 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 64 CENTRAL ST, TOPSFIELD, MA 01983-1824 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 39737-595 |
|---|---|
| Date | Apr 6, 2021 |
| Book Page | 39737/595 |
| Instrument | 20210406003580 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | May 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 64 CENTRAL ST, TOPSFIELD, MA 01983-1824 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 36202-232 |
|---|---|
| Date | Sep 26, 2017 |
| Book Page | 36202/232 |
| Instrument | 7 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Recording Date | Mar 28, 2019 |
| Property Address | 64 CENTRAL ST, TOPSFIELD, MA 01983-1824 |
| Document Number | 37407-510 |
| Book / Page | 037407 / 000510 |
| Instrument Date | Mar 27, 2019 |
| Instrument | 1903282750 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,394.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 64 CENTRAL ST TOPSFIELD MA 019831824, TOPSFIELD, MA 01983-1824 |
| Document Number | 37407-513 |
|---|---|
| Date | Mar 28, 2019 |
| Book Page | 037407/000513 |
| Instrument | 1903282760 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 27, 2049 |
The 2025 property tax bill for 64 Central St was $9,964, 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 | $9,964.00 (+2.05%) | $664,700 (-) Land $339,100 Building $325,600 | $726,845 |
| 2024 | $9,764.00 (+1.98%) | $664,700 (+5.52%) Land $339,100 Building $325,600 | |
| 2023 | $9,574.00 | $629,900 Land $327,800 Building $302,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 64 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 64 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 | Direct burnable vegetation |
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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