12 Laurel Rd, Swampscott, MA 01907 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,941 sqft · built 1950
Lot Size	0.259 acres (11,273 sqft)
Owner	Individual Name on Record
Last Sale	$485,000 (Jun 2010)
Tax Bill	$11,604 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Jan 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0018 B:0020 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0018 B:0020 L:0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,941 sqft Living Area
Gross Area	3,746 sqft
Basement Area	280 sqft
Unfinished Basement	280 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Contemporary
Construction Type	Frame
Roof Type	Flat
Roof Material	Other
Lot Area	11,273 sqft (0.259 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	12 LAUREL RD
City	SWAMPSCOTT
State	MA
Zip	01907-2313
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Subdivision	WHITNEY ESTATE
Legal Block	20
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	4
Census Block	4001
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	12 LAUREL RD, SWAMPSCOTT, MA 01907-2313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Deed of Trust, Mortgage ROCKET MORTGAGE LLC
Jan 9, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Oct 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Jul 27, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2010 · Amount on Record
Deed Sale	Jun 30, 2010 · Amount on Record
Prior Sale	Mar 20, 1990 · Amount on Record
Deed Book / Page	29573 / 233
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Recording Date	Jul 6, 2026
Property Address	12 LAUREL RD, SWAMPSCOTT, MA 01907-2313
Document Number	0000000430
Book / Page	43487 / 415
Instrument Date	Jun 29, 2026
Instrument	2026430
Transaction Type	Mortgage
Record Updated	Jul 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 LAUREL RD, SWAMPSCOTT, MA 01907-2313

Mortgage

Document Number	0000000430,
Date	Jul 6, 2026
Book Page	43487/415
Instrument	2026430

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2046

Interest

Rate	6.53%
Max Rate	-1%

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	12 LAUREL RD, SWAMPSCOTT, MA 01907-2313
Transaction Type	Mortgage
Record Updated	Jan 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041390-131
Date	Jan 9, 2023
Book Page	41390/131
Instrument	20230109000060

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	289 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	12 LAUREL RD, SWAMPSCOTT, MA 01907-2313
Transaction Type	Mortgage
Record Updated	Nov 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40428-275
Date	Oct 28, 2021
Book Page	40428/275
Instrument	20211028005470

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	12 LAUREL RD, SWAMPSCOTT, MA 01907-2313
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38750-572
Date	Jul 27, 2020
Book Page	38750/572
Instrument	20200727001020

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

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	$11,604.00 (+5.26%)	$967,000 (+0.61%) Land $428,300 Building $538,700	$1,091,029 (+25.13%)
2025	$11,024.00 (+15.01%)	$961,100 (+17.72%) Land $428,300 Building $532,800	$871,910
2023	$9,585.00	$816,400 Land $365,600 Building $450,800

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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