15 Commonwealth Ter, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 15 Commonwealth Ter, Swampscott, MA 01907

Property Summary

Property Type	Condominium
Details	4 bd · 2 ba · 1,844 sqft · built 2004
Lot Size	0.073 acres (3,212 sqft)
Owner	Individual Name on File
Last Sale	$615,000 (May 2022)
Tax Bill	$8,486 (2026)
Deeds & Mortgages	May 2022 Sale & Mortgage Mar 2022 Transfer + 2 more
Flood Zone	Zone AE (high risk)
APN	`SWAM M:0021 B:0050 L:2`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0021 B:0050 L:2`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	1,844 sqft Living Area
Gross Area	2,154 sqft
Basement Area	238 sqft
Unfinished Basement	238 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Condo/Apartment
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	3,212 sqft
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	15 COMMONWEALTH TER
City	SWAMPSCOTT
State	MA
Zip	01907-2616
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	A3
Legal Block	50
Legal Lot Number	2
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	2
Census Block	2000
Census Tract	202200

Owner

15 Commonwealth Ter, a condominium, is owned and occupied by an individual who bought it in May 2022.

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

Owner of Record	Individual Name on File
Mailing Address	15 COMMONWEALTH TER, SWAMPSCOTT, MA 01907-2616
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
May 27, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FIRSTRUST BANK
Mar 21, 2022	Quit Claim Deed, Transfer Quitclaim
Jul 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NAVY FCU
May 18, 2018	Deed of Trust, Mortgage · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2022 · Amount on File
Deed Sale	May 27, 2022 · Amount on File
Deed Document Number	2022636595
Record Updated	Oct 29, 2026

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	May 27, 2022
Property Address	15 COMMONWEALTH TER, SWAMPSCOTT, MA 01907-2616
Document Number	0000636595
Instrument Date	May 27, 2022
Instrument	636595
Transaction Type	Transfer
Record Updated	Jun 10, 2022

Transaction

Amount	Amount on Record
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
Address	15 COMMONWEALTH TER # 13, 13, SWAMPSCOTT, MA 01907-2616

Mortgage

Document Number	0000636596
Date	May 27, 2022
Instrument	636596

Lender

Name	FIRSTRUST BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Jun 1, 2029
Max Rate At Change	2.75%
Index	1-Year CMT

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Mar 21, 2022
Property Address	15 COMMONWEALTH TER, SWAMPSCOTT, MA 01907-2616
Document Number	0000634817
Instrument Date	Mar 18, 2022
Instrument	634817
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 COMMONWEALTH AVE # 13, 13, SWAMPSCOTT, MA 01907-2663

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	15 COMMONWEALTH TER, SWAMPSCOTT, MA 01907-2616
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	627048
Date	Jul 8, 2021
Instrument	627048

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

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

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	15 COMMONWEALTH TER, SWAMPSCOTT, MA 01907-2616
Document Number	0000592678
Instrument Date	May 18, 2018
Transaction Type	Mortgage
Record Updated	Jan 12, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 COMMONWEALTH TER #15 SWAMPSCOTT MA 019072616, 15, SWAMPSCOTT, MA 01907-2616

Mortgage

Document Number	0000592678
Date	May 18, 2018
Instrument	592678

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 17, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 15 Commonwealth Ter was $8,486, up 4.2% from the year before.

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	$8,486.00 (+4.2%)	$707,200 (-0.39%) Building $707,200	$729,779 (-0.08%)
2025	$8,144.00	$710,000 Building $710,000	$730,360
2023	$6,787.00	$578,100 Building $578,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 15 Commonwealth Ter in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

The area around 15 Commonwealth Ter has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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