Essex County and Topsfield Town property record for 89 Howlett St, Topsfield, MA 01983
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,181 sqft · built 1965 |
| Lot Size | 0.953 acres (41,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $535,000 (Aug 2015) |
| Tax Bill | $12,152 (2025) |
| Deeds & Mortgages | Apr 2021 Line of Credit Nov 2023 Refinance + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | TOPS M:0034 B:0076 L |
| Primary APN | TOPS M:0034 B:0076 L |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,181 sqft Living Area |
| Gross Area | 4,081 sqft |
| Basement Area | 528 sqft |
| Unfinished Basement | 528 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 41,500 sqft (0.953 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1796 |
|---|---|
| Street Address | 89 HOWLETT ST |
| City | TOPSFIELD |
| State | MA |
| Zip | 01983-1916 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IRA |
| Legal Subdivision | TOPSIELD |
| Legal Block | 76 |
| Jurisdiction | TOPSFIELD MA |
| Township / Civil Division | TOPSFIELD |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 214100 |
89 Howlett St is owned and occupied by two individuals who bought it in August 2015.
Source: Essex County and Topsfield Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 89 HOWLETT ST, TOPSFIELD, MA 01983-1916 |
| 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 |
|---|---|
| Apr 28, 2021 | Deed of Trust, Mortgage · Line of Credit EASTERN BANK |
| Nov 15, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance BERKSHIRE BANK |
| Apr 24, 2020 | Deed of Trust, Mortgage · Conventional with PMI ROSS MTG CO INC |
| Oct 7, 2019 | Deed of Trust, Mortgage · Line of Credit ST JEANS CU |
| Aug 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage ROSS MTG CO INC |
| Feb 8, 2019 | Deed of Trust, Mortgage · Conventional Mortgage ROSS MTG CO INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2015 · Amount on File |
| Deed Sale | Aug 31, 2015 · Amount on File |
| Prior Sale | Aug 5, 2005 · Amount on File |
| Deed Book / Page | 34338 / 429 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 89 HOWLETT ST, TOPSFIELD, MA 01983-1916 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 039817-143 |
|---|---|
| Date | Apr 28, 2021 |
| Book Page | 39817/143 |
| Instrument | 20210428005580 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 89 HOWLETT ST, TOPSFIELD, MA 01983-1916 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 041860-506 |
|---|---|
| Date | Nov 15, 2023 |
| Book Page | 41860/506 |
| Instrument | 20231115003040 |
| Name | BERKSHIRE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Dec 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 89 HOWLETT ST, TOPSFIELD, MA 01983-1916 |
| Document Number | 38463-589 |
| Instrument Date | Apr 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 89 HOWLETT ST TOPSFIELD MA 019831916, TOPSFIELD, MA 01983-1916 |
| Document Number | 38463-589 |
|---|---|
| Date | Apr 29, 2020 |
| Book Page | 038463/000589 |
| Instrument | 29001200 |
| Name | ROSS MTG CO INC |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 28, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 89 HOWLETT ST, TOPSFIELD, MA 01983-1916 |
| Document Number | 37913-9 |
| Instrument Date | Oct 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 89 HOWLETT ST TOPSFIELD MA 019831916, TOPSFIELD, MA 01983-1916 |
| Document Number | 37913-9 |
|---|---|
| Date | Oct 7, 2019 |
| Book Page | 037913/000009 |
| Instrument | 1007004690 |
| Name | ST JEANS CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 89 HOWLETT ST, TOPSFIELD, MA 01983-1916 |
| Document Number | 37790-575 |
| Instrument Date | Aug 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 89 HOWLETT ST TOPSFIELD MA 019831916, TOPSFIELD, MA 01983-1916 |
| Document Number | 37790-575 |
|---|---|
| Date | Aug 28, 2019 |
| Book Page | 037790/000575 |
| Instrument | 1908281140 |
| Name | ROSS MTG CO INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 27, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOPSFIELD MA |
| Property Address | 89 HOWLETT ST, TOPSFIELD, MA 01983-1916 |
| Document Number | 37326-31 |
| Instrument Date | Feb 8, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2019 |
| Name | Verified Name |
|---|---|
| Address | 89 HOWLETT ST TOPSFIELD MA 019831916, TOPSFIELD, MA 01983-1916 |
| Document Number | 37326-31 |
|---|---|
| Date | Feb 13, 2019 |
| Book Page | 037326/000031 |
| Instrument | 190213700 |
| Name | ROSS MTG CO INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 12, 2049 |
The 2025 property tax bill for 89 Howlett St was $12,152, up 4.6% 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 | $12,152.00 (+4.55%) | $810,700 (+2.46%) Land $370,500 Building $440,200 | $850,440 |
| 2024 | $11,623.00 (+12.95%) | $791,200 (+16.87%) Land $351,000 Building $440,200 | |
| 2023 | $10,290.00 | $677,000 Land $331,500 Building $345,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 89 Howlett St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1978.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 risk around 89 Howlett 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 72 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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