12 Phillips Beach Ave, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 12 Phillips Beach Ave, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	7 bd · 3.5 ba · 4,188 sqft · built 1920
Lot Size	0.926 acres (40,345 sqft)
Owner	2 Company Names on File
Tax Bill	$22,295 (2026)
Deeds & Mortgages	Jul 2026 Transfer Nov 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0030 B:0008 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0030 B:0008 L:0`

Interior

Bedrooms	7 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Stories	3 Stories
Building Area	4,188 sqft Living Area
Gross Area	7,735 sqft
Basement Area	1,536 sqft
Unfinished Basement	1,536 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	40,345 sqft (0.926 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	12 PHILLIPS BEACH AVE
City	SWAMPSCOTT
State	MA
Zip	01907-2417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Subdivision	THOMAS F KILEY
Legal Block	8
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	6
Census Block	6001
Census Tract	202200

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on File
Mailing Address	12 PHILLIPS BEACH AVE, SWAMPSCOTT, MA 01907-2417
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Quit Claim Deed, Transfer Quitclaim
Nov 25, 2025	Deed of Trust, Mortgage · Line of Credit MARBLEHEAD SAVINGS BANK
Apr 27, 2020	Deed of Trust, Mortgage · Balloon Mortgage SANTANDER BANK NA
Jun 25, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Feb 5, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2016
Deed Sale	Mar 1, 2016
Prior Sale	Oct 28, 2015 · Amount on File
Deed Document Number	2016164
Deed Book / Page	34745 / 477
Last Transfer Date	Jun 25, 2020
Transfer Doc	38646-416
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Jul 6, 2026
Property Address	12 PHILLIPS BEACH AVE, SWAMPSCOTT, MA 01907-2417
Document Number	0000002290
Book / Page	43489 / 100
Instrument Date	Jul 1, 2026
Instrument	20262290
Transaction Type	Transfer
Record Updated	Aug 31, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 PHILLIPS BEACH AVE, SWAMPSCOTT, MA 01907-2417

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	12 PHILLIPS BEACH AVE, SWAMPSCOTT, MA 01907-2417
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00043091-3
Date	Nov 25, 2025
Book Page	43091/3
Instrument	20251125000710

Lender

Name	MARBLEHEAD SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2045

Interest

Rate Type	Adjustable Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	12 PHILLIPS BEACH AVE, SWAMPSCOTT, MA 01907-2417
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38452-70
Date	Apr 27, 2020
Book Page	38452/70
Instrument	20200427000440

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Jun 25, 2020
Property Address	12 PHILLIPS BEACH AVE, SWAMPSCOTT, MA 01907-2417
Document Number	38646-416
Book / Page	038646 / 000416
Instrument Date	Jun 25, 2020
Instrument	25001130
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	12 PHILLIPS BEACH AVE SWAMPSCOTT MA 019072417, SWAMPSCOTT, MA 01907-2417

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Feb 5, 2020
Property Address	12 PHILLIPS BEACH AVE, SWAMPSCOTT, MA 01907-2417
Document Number	38241-349
Book / Page	038241 / 000349
Instrument Date	Feb 4, 2020
Instrument	5000990
Transaction Type	Transfer
Record Updated	Feb 25, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 PHILLIPS BEACH AVE SWAMPSCOTT MA 019072417, SWAMPSCOTT, MA 01907-2417

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	$22,295.00 (+9.53%)	$1,857,900 (+4.69%) Land $863,100 Building $994,800	$2,123,574 (+32.2%)
2025	$20,355.00 (+8.47%)	$1,774,600 (+11.02%) Land $829,100 Building $945,500	$1,606,355
2023	$18,766.00	$1,598,500 Land $726,500 Building $872,000

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 48 policies
Nearby Flood Policies	48 in force
Nearby Flood Claims	21 (1979–2024)
Claims Outside the SFHA	5 of 21
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Severe Winter Storm And Flooding, Mar 2018 · 4 claims Severe Winter Storm, Snowstorm, And Flooding, Feb 2013 · 2 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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