10 Orchard Rd, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 10 Orchard Rd, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,285 sqft · built 1920
Lot Size	0.321 acres (13,978 sqft)
Owner	Individual Name on Record
Last Sale	$398,000 (Feb 2010)
Tax Bill	$14,140 (2026)
Deeds & Mortgages	Jan 2021 Line of Credit Dec 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0022 B:0053 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0022 B:0053 L:0`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	2,285 sqft Living Area
Gross Area	4,110 sqft
Basement Area	1,061 sqft
Unfinished Basement	1,061 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,978 sqft (0.321 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	10 ORCHARD RD
City	SWAMPSCOTT
State	MA
Zip	01907-2331
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Subdivision	ORCHARD
Legal Block	53
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	4
Census Block	4004
Census Tract	202200

Owner

Source: Essex County and Swampscott Town records, as of October 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	10 ORCHARD RD, SWAMPSCOTT, MA 01907-2331
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2021	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Dec 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance METRO CU
May 25, 2017	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Jun 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2010 · Amount on Record
Deed Sale	Feb 12, 2010 · Amount on Record
Prior Sale	Aug 1, 2006 · Amount on Record
Deed Book / Page	29279 / 158
Transfer Doc	029279-158
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	10 ORCHARD RD, SWAMPSCOTT, MA 01907-2331
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039464-141
Date	Jan 28, 2021
Book Page	39464/141
Instrument	20210128001460

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	10 ORCHARD RD, SWAMPSCOTT, MA 01907-2331
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040593-402
Date	Dec 21, 2021
Book Page	40593/402
Instrument	20211221000010

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	313 Months
Due	Jan 1, 2048

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	10 ORCHARD RD, SWAMPSCOTT, MA 01907-2331
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35892-429
Date	May 25, 2017
Book Page	35892/429
Instrument	282

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	10 ORCHARD RD, SWAMPSCOTT, MA 01907-2331
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38659-174
Date	Jun 29, 2020
Book Page	38659/174
Instrument	20200629003750

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Swampscott Town
Unified School District	Swampscott School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$14,140.00 (+26.69%)	$1,178,300 (+21.09%) Land $467,100 Building $711,200	$1,308,712 (+15.16%)
2025	$11,161.00 (+11.23%)	$973,100 (+13.85%) Land $467,100 Building $506,000	$1,136,390
2023	$10,034.00	$854,700 Land $398,700 Building $456,000

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	122 (1978–2018)
Claims Outside the SFHA	23 of 122
Most Recent Claim	Mar 2018 · Severe Winter Storm And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 12 claims Coastal Storm, Oct 1991 · 21 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 5 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	Not rated no burnable land within 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	SWAMPSCOTT WATER DEPT. (MWRA) serves 15,300 people · EPA ID MA3291000
Water Source	Purchased surface water from MWRA
Last State Inspection	Mar 2026
Lead	2 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	None 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 374 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

May also be available: T-Mobile.

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