86 Central St, Topsfield, MA 01983 Property Records

Essex County and Topsfield Town property record for 86 Central St, Topsfield, MA 01983

Property Summary

Property Type	Auto Repair, Garage
Details	1.5 ba · 4,064 sqft · built 1982
Lot Size	1.27 acres (55,321 sqft)
Owner	2 Company Names on Record
Last Sale	$850,000 (Oct 2008)
Tax Bill	$7,961 (2025)
Deeds & Mortgages	Feb 2024 Refinance
Flood Zone	Zone X (minimal risk)
APN	`TOPS M:0041 B:0119 L`

Property Details

APN / Parcel Number

Primary APN	`TOPS M:0041 B:0119 L`
Alternative APN	`1866`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,064 sqft Total Area
Gross Area	4,168 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	55,321 sqft (1.27 acres)

Utilities, Heating & Cooling

Heating System	Space Heater
Heating Fuel	Oil

Location & Zoning

Account Number	1866
Street Address	86 CENTRAL ST
City	TOPSFIELD
State	MA
Zip	01983-1824
Property Category	Commercial
Property Type	Commercial > Retail > Auto Repair, Garage
Local Zoning Code	BH
Legal Block	119
Jurisdiction	TOPSFIELD MA
Township / Civil Division	TOPSFIELD
Census Block Group	2
Census Block	2012
Census Tract	214100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	32 PROSPECT ST, GEORGETOWN, MA 01833-1640
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2008 · Amount on Record
Deed Sale	Oct 1, 2008 · Amount on Record
Prior Sale	Oct 1, 2008 · Amount on Record
Deed Book / Page	28073 / 565
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	86 CENTRAL ST, TOPSFIELD, MA 01983-1824
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041989-512
Date	Feb 16, 2024
Book Page	41989/512
Instrument	20240216002920

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Tax Assessment & Valuation

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
2025	$7,961.00 (+8.7%)	$531,100 (+6.52%) Land $363,400 Building $167,700
2024	$7,324.00 (-0.65%)	$498,600 (+2.8%) Land $345,300 Building $153,300
2023	$7,372.00	$485,000 Land $345,300 Building $139,700

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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 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	Severe Storms And Flooding, Mar 2010 · 2 claims Severe Storms And Flooding, May 2006 · 5 claims Flooding, Apr 2004 · 2 claims

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

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.

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 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