94 Rowley Bridge Rd, Topsfield, MA 01983 Property Records

Essex County and Topsfield Town property record for 94 Rowley Bridge Rd, Topsfield, MA 01983

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,497 sqft · built 1975
Lot Size	2.03 acres (88,427 sqft)
Owner	Individual Name on Record
Last Sale	$429,000 (Jan 2013)
Tax Bill	$12,377 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Feb 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`TOPS M:0062 B:0028 L`

Property Details

APN / Parcel Number

Primary APN	`TOPS M:0062 B:0028 L`
Alternative APN	`1954`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,497 sqft Living Area
Gross Area	3,952 sqft
Basement Area	143 sqft
Unfinished Basement	143 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	88,427 sqft (2.03 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	1954
Street Address	94 ROWLEY BRIDGE RD
City	TOPSFIELD
State	MA
Zip	01983-2308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORA
Legal Block	28
Jurisdiction	TOPSFIELD MA
Township / Civil Division	TOPSFIELD
Census Block Group	4
Census Block	4008
Census Tract	214100

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	Individual Name on Record
Mailing Address	94 ROWLEY BRIDGE RD, TOPSFIELD, MA 01983-2308
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Feb 21, 2017	Deed of Trust, Mortgage DISCOVER BANK
Oct 5, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance PARAMOUNT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2013 · Amount on Record
Deed Sale	Jan 3, 2013 · Amount on Record
Prior Sale	May 7, 1999 · Amount on Record
Deed Book / Page	32086 / 107
Transfer Doc	032086-107
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	94 ROWLEY BRIDGE RD, TOPSFIELD, MA 01983-2308
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041943-54
Date	Jan 10, 2024
Book Page	41943/54
Instrument	20240110000190

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	289 Months
Due	Feb 1, 2048

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	94 ROWLEY BRIDGE RD, TOPSFIELD, MA 01983-2308
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35689-54
Date	Feb 21, 2017
Book Page	35689/54
Instrument	2

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Feb 1, 2037

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSFIELD MA
Property Address	94 ROWLEY BRIDGE RD, TOPSFIELD, MA 01983-2308
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39022-201
Date	Oct 5, 2020
Book Page	39022/201
Instrument	20201005005150

Lender

Name	PARAMOUNT BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

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	$12,377.00 (+4.52%)	$825,700 (+2.43%) Land $372,900 Building $452,800	$864,595
2024	$11,842.00 (+9.88%)	$806,100 (+13.7%) Land $353,300 Building $452,800
2023	$10,777.00	$709,000 Land $333,600 Building $375,400

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	6 (1996–2010)
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 · 3 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 33 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Rowley Bridge Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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