12 Cedar Rd, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 12 Cedar Rd, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,541 sqft · built 1925
Lot Size	0.138 acres (5,998 sqft)
Owner	2 Individual Names on Record
Last Sale	$427,500 (May 2014)
Tax Bill	$10,186 (2026)
Deeds & Mortgages	Dec 2020 Refinance Mar 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0022 B:0076 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0022 B:0076 L:0`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,541 sqft Living Area
Gross Area	2,464 sqft
Basement Area	778 sqft
Unfinished Basement	778 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,998 sqft (0.138 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	12 CEDAR RD
City	SWAMPSCOTT
State	MA
Zip	01907-2309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Block	76
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	2 Individual Names on Record
Mailing Address	12 CEDAR RD, SWAMPSCOTT, MA 01907-2309
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP
Mar 27, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2014 · Amount on Record
Deed Sale	May 12, 2014 · Amount on Record
Prior Sale	Jun 19, 2002 · Amount on Record
Deed Book / Page	33269 / 105
Transfer Doc	033269-105
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	12 CEDAR RD, SWAMPSCOTT, MA 01907-2309
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39336-233
Date	Dec 23, 2020
Book Page	39336/233
Instrument	20201223002880

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2041

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	12 CEDAR RD, SWAMPSCOTT, MA 01907-2309
Document Number	38406-107
Instrument Date	Mar 27, 2020
Transaction Type	Mortgage
Record Updated	Apr 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 CEDAR RD SWAMPSCOTT MA 019072309, SWAMPSCOTT, MA 01907-2309

Mortgage

Document Number	38406-107
Date	Apr 9, 2020
Book Page	038406/000107
Instrument	9000460

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 8, 2050

Interest

Rate Type	Adjustable Rate

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	$10,186.00 (+7.25%)	$848,800 (+2.51%) Land $352,600 Building $496,200	$907,949 (+13.6%)
2025	$9,497.00 (+11.44%)	$828,000 (+14.07%) Land $352,600 Building $475,400	$799,235
2023	$8,522.00	$725,900 Land $301,000 Building $424,900

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	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 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	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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