85 Perkins Row, Topsfield, MA 01983 Property Records

Essex County and Topsfield Town property record for 85 Perkins Row, Topsfield, MA 01983

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,436 sqft · built 1961
Lot Size	0.918 acres (40,001 sqft)
Owner	2 Individual Names on File
Last Sale	$770,000 (Sep 2020)
Tax Bill	$14,416 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Jun 2024 Line of Credit + 3 more
Flood Zone	Zone AE (high risk)
APN	`TOPS M:0051 B:0022 L`

Property Details

APN / Parcel Number

Primary APN	`TOPS M:0051 B:0022 L`
Alternative APN	`1997`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,436 sqft Living Area
Gross Area	4,288 sqft
Basement Area	1,036 sqft
Unfinished Basement	1,036 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,001 sqft (0.918 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1997
Street Address	85 PERKINS ROW
City	TOPSFIELD
State	MA
Zip	01983-1922
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IRA
Legal Block	22
Jurisdiction	TOPSFIELD MA
Township / Civil Division	TOPSFIELD
Census Block Group	1
Census Block	1018
Census Tract	214100

Owner

85 Perkins Row is owned and occupied by two individuals who bought it in September 2020.

Source: Essex County and Topsfield Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	85 PERKINS ROW, TOPSFIELD, MA 01983-1922
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2021	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK
Jun 10, 2024	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK
Mar 6, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Sep 18, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC
Jul 2, 2018	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2020 · Amount on File
Deed Sale	Sep 18, 2020 · Amount on File
Prior Sale	Jul 2, 2018 · Amount on File
Deed Book / Page	38955 / 194
Prior Transfer Date	Sep 10, 2020
Prior Transfer Doc	38955-194
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	85 PERKINS ROW, TOPSFIELD, MA 01983-1922
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039731-16
Date	Apr 5, 2021
Book Page	39731/16
Instrument	20210405001300

Lender

Name	NORTH SHORE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	85 PERKINS ROW, TOPSFIELD, MA 01983-1922
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042157-501
Date	Jun 10, 2024
Book Page	42157/501
Instrument	20240610000710

Lender

Name	NORTH SHORE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	85 PERKINS ROW, TOPSFIELD, MA 01983-1922
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38316-68
Date	Mar 6, 2020
Book Page	38316/68
Instrument	20200306002050

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TOPSFIELD MA
Recording Date	Sep 18, 2020
Property Address	85 PERKINS ROW, TOPSFIELD, MA 01983-1922
Document Number	38955-194
Book / Page	38955 / 194
Instrument Date	Sep 10, 2020
Instrument	20200918006850
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	85 PERKINS ROW, TOPSFIELD, MA 01983-1922

Mortgage

Document Number	200918006860
Date	Sep 18, 2020
Instrument	200918006860

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TOPSFIELD MA
Recording Date	Jul 2, 2018
Property Address	85 PERKINS ROW, TOPSFIELD, MA 01983-1922
Document Number	36838-220
Book / Page	036838 / 000220
Instrument Date	Jun 25, 2018
Instrument	2004370
Transaction Type	Transfer
Record Updated	Jul 30, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,237.60
Amount Accuracy	Confirmed
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 PERKINS ROW TOPSFIELD MA 019831922, TOPSFIELD, MA 01983-1922

Mortgage

Document Number	36838-222
Date	Jul 2, 2018
Book Page	036838/000222
Instrument	2004380

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 85 Perkins Row was $14,416, up 3.3% from the year before.

Source: Essex County and Topsfield Town assessment roll, as of April 14, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,416.00 (+3.29%)	$961,700 (+1.22%) Land $380,700 Building $581,000	$808,260
2024	$13,957.00 (+13.25%)	$950,100 (+17.18%) Land $369,100 Building $581,000
2023	$12,324.00	$810,800 Land $349,600 Building $461,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 85 Perkins Row in Zone AE, a high-risk flood area; 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	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	3 in force
Nearby Flood Claims	5 (1978–2010)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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

Wildfire risk around 85 Perkins Row is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Perkins Row

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures