Essex County and Topsfield Town property record for 78 S Main St, Topsfield, MA 01983
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 1,344 sqft · built 1965 |
| Lot Size | 0.66 acres (28,750 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $228,000 (Dec 2003) |
| Tax Bill | $8,423 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Nov 2017 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | TOPS M:0049 B:0025 L |
| Primary APN | TOPS M:0049 B:0025 L |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,344 sqft Living Area |
| Gross Area | 2,016 sqft |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 28,750 sqft (0.66 acres) |
| Heating System | Radiant |
|---|---|
| Heating Fuel | Electric |
| Account Number | 1498 |
|---|---|
| Street Address | 78 S MAIN ST |
| City | TOPSFIELD |
| State | MA |
| Zip | 01983-1819 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CR |
| Legal Block | 25 |
| Jurisdiction | TOPSFIELD MA |
| Township / Civil Division | TOPSFIELD |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 214100 |
78 S Main St is owned and occupied by two individuals who bought it in December 2003.
Source: Essex County and Topsfield Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 78 S MAIN ST, TOPSFIELD, MA 01983-1819 |
| 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 |
|---|---|
| May 21, 2026 | Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK |
| Nov 13, 2017 | Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 19, 2003 · Amount on File |
| Deed Sale | Dec 19, 2003 · Amount on File |
| Prior Sale | Oct 16, 1998 · Amount on File |
| Deed Book / Page | 22209 / 397 |
| Transfer Doc | 25496-131 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Recording Date | May 21, 2026 |
| Property Address | 78 S MAIN ST, TOPSFIELD, MA 01983-1819 |
| Document Number | 0043399-81 |
| Book / Page | 43399 / 81 |
| Instrument Date | May 2, 2026 |
| Instrument | 2026930 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 78 S MAIN ST, TOPSFIELD, MA 01983-1819 |
| Document Number | 0000000930, |
|---|---|
| Date | May 21, 2026 |
| Book Page | 43399/81 |
| Instrument | 2026930 |
| Name | SALEM FIVE CENTS SAVINGS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 78 S MAIN ST, TOPSFIELD, MA 01983-1819 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 36327-159 |
|---|---|
| Date | Nov 13, 2017 |
| Book Page | 36327/159 |
| Instrument | 409 |
| Name | SALEM FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 78 S Main St was $8,423, up 5.2% 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 | $8,423.00 (+5.21%) | $561,900 (+3.1%) Land $322,500 Building $239,400 | $594,985 |
| 2024 | $8,006.00 (+11.97%) | $545,000 (+15.86%) Land $305,600 Building $239,400 | |
| 2023 | $7,150.00 | $470,400 Land $288,600 Building $181,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 78 S Main St in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 78 S Main 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures