11 Thomas Rd, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 11 Thomas Rd, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,409 sqft · built 1880
Lot Size	0.115 acres (5,031 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Jul 2015)
Tax Bill	$8,587 (2026)
Deeds & Mortgages	Oct 2024 Line of Credit Jul 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0001 B:0100 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0001 B:0100 L:0`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,409 sqft Living Area
Gross Area	2,385 sqft
Basement Area	761 sqft
Unfinished Basement	761 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,031 sqft (0.115 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	11 THOMAS RD
City	SWAMPSCOTT
State	MA
Zip	01907-1926
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Block	100
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	3
Census Block	3004
Census Tract	202101

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	2 Individual Names on Record
Mailing Address	11 THOMAS RD, SWAMPSCOTT, MA 01907-1926
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2024	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Jul 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP
Nov 5, 2018	Deed of Trust, Mortgage · Line of Credit EASTERN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2015 · Amount on Record
Deed Sale	Jul 16, 2015 · Amount on Record
Prior Sale	Oct 28, 2014 · Amount on Record
Deed Book / Page	34221 / 4
Transfer Doc	00034221-4
Record Updated	Oct 29, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	11 THOMAS RD, SWAMPSCOTT, MA 01907-1926
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	042387-369
Date	Oct 22, 2024
Book Page	42387/369
Instrument	20241022000070

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	11 THOMAS RD, SWAMPSCOTT, MA 01907-1926
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	040106-458
Date	Jul 23, 2021
Book Page	40106/458
Instrument	20210723000320

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	11 THOMAS RD, SWAMPSCOTT, MA 01907-1926
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37130-156
Date	Nov 5, 2018
Book Page	37130/156
Instrument	181105000330

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$8,587.00 (+7.19%)	$715,600 (+2.46%) Land $338,700 Building $376,900	$808,870 (+20.98%)
2025	$8,011.00 (+10.89%)	$698,400 (+13.51%) Land $338,700 Building $359,700	$668,610
2023	$7,224.00	$615,300 Land $289,100 Building $326,200

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 29 individual policies
Nearby Flood Policies	46 units insured incl. 17 condo units
Nearby Flood Claims	49 (1978–2024)
Claims Outside the SFHA	18 of 49
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Extreme Weather Conditons And Flooding, Oct 1996 · 8 claims Winter Coastal Storm, Dec 1992 · 4 claims Coastal Storm, Oct 1991 · 6 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 1,019 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 / 2,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Starry.

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