10 Prospect Ave, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 10 Prospect Ave, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,477 sqft · built 1937
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Last Sale	$681,000 (Apr 2021)
Tax Bill	$9,556 (2026)
Deeds & Mortgages	Feb 2026 Second Mortgage Nov 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0020 B:0074 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0020 B:0074 L:0`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,477 sqft Living Area
Gross Area	2,789 sqft
Basement Area	667 sqft
Unfinished Basement	667 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,001 sqft (0.115 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	10 PROSPECT AVE
City	SWAMPSCOTT
State	MA
Zip	01907-2214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Subdivision	SHAW ESTATE
Legal Block	74
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	3
Census Block	3014
Census Tract	202200

Owner

10 Prospect Ave is owned and occupied by two individuals who bought it in April 2021.

Source: Essex County and Swampscott Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10 PROSPECT AVE, SWAMPSCOTT, MA 01907-2214
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Nov 24, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) DISCOVER BANK
Apr 20, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ACADEMY MORTGAGE CORP
Jun 14, 2017	Deed of Trust, Mortgage AVIDIA BANK
Nov 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2021 · Amount on File
Deed Sale	Apr 20, 2021 · Amount on File
Prior Sale	Aug 1, 2011 · Amount on File
Deed Book / Page	39787 / 454
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	10 PROSPECT AVE, SWAMPSCOTT, MA 01907-2214
Transaction Type	Mortgage
Record Updated	Mar 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	043227-207
Date	Feb 17, 2026
Book Page	43227/207
Instrument	20260217000670

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2041

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	10 PROSPECT AVE, SWAMPSCOTT, MA 01907-2214
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041873-573
Date	Nov 24, 2023
Book Page	41873/573
Instrument	20231124000540

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Apr 20, 2021
Property Address	10 PROSPECT AVE, SWAMPSCOTT, MA 01907-2214
Document Number	039787-454
Book / Page	39787 / 454
Instrument Date	Apr 20, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount on Record
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	10 PROSPECT AVE, SWAMPSCOTT, MA 01907-2214

Mortgage

Document Number	0039787456
Date	Apr 20, 2021
Instrument	39787/456

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	10 PROSPECT AVE, SWAMPSCOTT, MA 01907-2214
Transaction Type	Mortgage
Record Updated	Mar 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35939-80
Date	Jun 14, 2017
Book Page	35939/80
Instrument	128

Lender

Name	AVIDIA BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	10 PROSPECT AVE, SWAMPSCOTT, MA 01907-2214
Transaction Type	Mortgage
Record Updated	Mar 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39198-99
Date	Nov 18, 2020
Book Page	39198/99
Instrument	20201118006360

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 10 Prospect Ave was $9,556, up 7.3% from the year before.

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	$9,556.00 (+7.3%)	$796,300 (+2.55%) Land $338,300 Building $458,000	$858,536 (-0.65%)
2025	$8,906.00	$776,500 Land $338,300 Building $438,200	$864,120
2023	$7,829.00	$666,900 Land $288,800 Building $378,100

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

Flood

FEMA maps place 10 Prospect Ave in Zone X, an area of minimal flood risk, though there have been 70 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	4 in force
Nearby Flood Claims	70 (1978–2022)
Claims Outside the SFHA	32 of 70
Most Recent Claim	Dec 2022 · tidal / storm surge
Claims by Event	Winter Coastal Storm, Dec 1992 · 7 claims Coastal Storm, Oct 1991 · 15 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 11 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

The area around 10 Prospect Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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