93 River Rd, Topsfield, MA 01983 Property Records

Essex County and Topsfield Town property record for 93 River Rd, Topsfield, MA 01983

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,088 sqft · built 1808
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on Record
Last Sale	$676,000 (Apr 2021)
Tax Bill	$10,784 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Apr 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`TOPS M:0048 B:0001 L`

Property Details

APN / Parcel Number

Primary APN	`TOPS M:0048 B:0001 L`
Alternative APN	`1269`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,088 sqft Living Area
Gross Area	3,302 sqft
Basement Area	866 sqft
Unfinished Basement	866 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1808
Effective Year Built	Effective 1808
Architectural Style	Historical
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,136 sqft (0.6 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	1269
Street Address	93 RIVER RD
City	TOPSFIELD
State	MA
Zip	01983-2110
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IRA
Legal Block	1
Jurisdiction	TOPSFIELD MA
Township / Civil Division	TOPSFIELD
Census Block Group	2
Census Block	2004
Census Tract	214100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the River Road-Cross Street Historic District listed 2005 · 52 contributing resources · NRIS 05000465

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	93 RIVER RD, TOPSFIELD, MA 01983-2110
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Apr 30, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC
Nov 7, 2019	Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE
May 31, 2018	Quit Claim Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2021 · Amount on Record
Deed Sale	Apr 30, 2021 · Amount on Record
Prior Sale	Apr 17, 2019 · Amount on Record
Deed Book / Page	39829 / 544
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	93 RIVER RD, TOPSFIELD, MA 01983-2110
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041714-396
Date	Aug 16, 2023
Book Page	41714/396
Instrument	20230816000040

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2048

Interest

Rate Type	Adjustable Rate

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TOPSFIELD MA
Recording Date	Apr 30, 2021
Property Address	93 RIVER RD, TOPSFIELD, MA 01983-2110
Document Number	039829-544
Book / Page	39829 / 544
Instrument Date	Apr 30, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount Recorded
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	93 RIVER RD, TOPSFIELD, MA 01983-2110

Mortgage

Document Number	0039829546
Date	Apr 30, 2021
Instrument	39829/546

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	93 RIVER RD, TOPSFIELD, MA 01983-2110
Document Number	38008-355
Instrument Date	Nov 7, 2019
Transaction Type	Mortgage
Record Updated	Nov 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	93 RIVER RD TOPSFIELD MA 019832110, TOPSFIELD, MA 01983-2110

Mortgage

Document Number	38008-355
Date	Nov 7, 2019
Book Page	038008/000355
Instrument	1107003520

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 6, 2049

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TOPSFIELD MA
Recording Date	May 31, 2018
Property Address	93 RIVER RD, TOPSFIELD, MA 01983-2110
Document Number	36752-376
Book / Page	036752 / 000376
Instrument Date	May 31, 2018
Instrument	1805313050
Transaction Type	Transfer
Record Updated	Aug 8, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,426.34
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	93 RIVER RD TOPSFIELD MA 019832110, TOPSFIELD, MA 01983-2110

Mortgage

Document Number	36752-379
Date	May 31, 2018
Book Page	036752/000379
Instrument	1805313060

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 30, 2048

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	Assessed Market Value
2025	$10,784.00 (+2.04%)	$719,400 (-) Land $374,600 Building $344,800	$856,615
2024	$10,568.00 (+2.8%)	$719,400 (+6.37%) Land $374,600 Building $344,800
2023	$10,280.00	$676,300 Land $352,100 Building $324,200

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

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
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	None beyond ember reach

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 54 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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