13 Commonwealth Ave, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 13 Commonwealth Ave, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,703 sqft · built 1926
Lot Size	0.068 acres (2,980 sqft)
Owner	2 Individual Names on Record
Last Sale	$715,000 (May 2022)
Tax Bill	$8,742 (2026)
Deeds & Mortgages	Jul 2025 Mortgage May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`SWAM M:0019 B:0210 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0019 B:0210 L:0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,703 sqft Living Area
Gross Area	2,894 sqft
Basement Area	912 sqft
Unfinished Basement	912 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	2,980 sqft (0.068 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	13 COMMONWEALTH AVE
City	SWAMPSCOTT
State	MA
Zip	01907-2614
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Block	210
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	2
Census Block	2001
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	13 COMMONWEALTH AVE, SWAMPSCOTT, MA 01907-2614
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2025	Deed of Trust, Mortgage THIRD FEDERAL SAVING & LOAN ASSOC
May 12, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUILD MORTGAGE CO
Jan 30, 2020	Quit Claim Deed, Transfer · FHA Mortgage CALIBER HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2022 · Amount on Record
Deed Sale	May 12, 2022 · Amount on Record
Prior Sale	Jan 30, 2020 · Amount on Record
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	13 COMMONWEALTH AVE, SWAMPSCOTT, MA 01907-2614
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000659724
Date	Jul 1, 2025
Instrument	659724

Lender

Name	THIRD FEDERAL SAVING & LOAN ASSOC

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	May 12, 2022
Property Address	13 COMMONWEALTH AVE, SWAMPSCOTT, MA 01907-2614
Document Number	0000636144
Instrument Date	May 12, 2022
Instrument	636144
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
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	13 COMMONWEALTH AVE, SWAMPSCOTT, MA 01907-2614

Mortgage

Document Number	0000636145
Date	May 12, 2022
Instrument	636145

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Jan 30, 2020
Property Address	13 COMMONWEALTH AVE, SWAMPSCOTT, MA 01907-2614
Document Number	0000609615
Instrument Date	Jan 9, 2020
Instrument	609615
Transaction Type	Transfer
Record Updated	Jun 23, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,403.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13 COMMONWEALTH AVE SWAMPSCOTT MA 019072614, SWAMPSCOTT, MA 01907-2614

Mortgage

Document Number	609618
Date	Jan 30, 2020
Instrument	609618

Lender

Name	CALIBER HM LNS

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 29, 2050

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	$8,742.00 (+7.46%)	$728,500 (+2.72%) Land $309,300 Building $419,200	$863,807 (+2.79%)
2025	$8,135.00 (+11.24%)	$709,200 (+13.85%) Land $309,300 Building $399,900	$840,370
2023	$7,313.00	$622,900 Land $264,000 Building $358,900

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	15.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 90 individual policies
Nearby Flood Policies	154 units insured incl. 64 condo units
Nearby Flood Claims	122 (1978–2025)
Claims Outside the SFHA	68 of 122
Most Recent Claim	Sep 2025
Claims by Event	Severe Winter Storm And Flooding, Mar 2018 · 12 claims Coastal Storm, Oct 1991 · 23 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 15 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 407 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 / 250
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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