15 Hardy Rd, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 15 Hardy Rd, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,313 sqft · built 1910
Lot Size	0.106 acres (4,622 sqft)
Owner	2 Trust Names on File
Last Sale	$1,150,000 (Jun 2025)
Tax Bill	$11,830 (2026)
Deeds & Mortgages	Nov 2022 Line of Credit Sep 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0001 B:0091 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0001 B:0091 L:0`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,313 sqft Living Area
Gross Area	4,304 sqft
Basement Area	822 sqft
Unfinished Basement	822 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	4,622 sqft (0.106 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	15 HARDY RD
City	SWAMPSCOTT
State	MA
Zip	01907-1938
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Block	91
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	3
Census Block	3006
Census Tract	202101

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Olmsted Subdivision Historic District listed 2002 · 569 contributing resources · NRIS 02000696

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

15 Hardy Rd is owner-occupied and held in a trust since January 2026.

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

Owner of Record	2 Trust Names on File
Mailing Address	15 HARDY RD, SWAMPSCOTT, MA 01907-1938
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Nov 10, 2022	Deed of Trust, Mortgage · Line of Credit CAMBRIDGE SAVINGS BANK
Sep 9, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) CAMBRIDGE SAVINGS BANK
Jan 30, 2026	Quit Claim Deed, Transfer Quitclaim
Jun 18, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage M & T BANK
Jun 26, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MSA LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2025 · Amount on File
Deed Sale	Jun 18, 2025 · Amount on File
Prior Sale	Jun 26, 2020 · Amount on File
Deed Document Number	20252590
Deed Book / Page	42782 / 169
Last Transfer Date	Jan 21, 2026
Transfer Doc	043202-508
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	15 HARDY RD, SWAMPSCOTT, MA 01907-1938
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041297-13
Date	Nov 10, 2022
Book Page	41297/13
Instrument	20221110003680

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	15 HARDY RD, SWAMPSCOTT, MA 01907-1938
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042315-313
Date	Sep 9, 2024
Book Page	42315/313
Instrument	20240909001720

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2039

January 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Jan 30, 2026
Property Address	15 HARDY RD, SWAMPSCOTT, MA 01907-1938
Document Number	043202-508
Book / Page	43202 / 508
Instrument Date	Jan 21, 2026
Instrument	20260130001250
Transaction Type	Transfer
Record Updated	Feb 18, 2026

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 HARDY RD, SWAMPSCOTT, MA 01907-1938

June 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Jun 18, 2025
Property Address	15 HARDY RD, SWAMPSCOTT, MA 01907-1938
Document Number	042782-169
Book / Page	42782 / 169
Instrument Date	Jun 18, 2025
Instrument	20250618002590
Transaction Type	Transfer
Record Updated	Nov 19, 2025

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
Relationship	Tenants by the Entirety
Address	15 HARDY RD, SWAMPSCOTT, MA 01907-1938

Mortgage

Document Number	20250618002600
Date	Jun 18, 2025
Instrument	20250618002600

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Jun 26, 2020
Property Address	15 HARDY RD, SWAMPSCOTT, MA 01907-1938
Document Number	38651-141
Book / Page	38651 / 141
Instrument Date	Jun 18, 2020
Instrument	20200626001740
Transaction Type	Transfer
Record Updated	May 12, 2021

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 HARDY RD, SWAMPSCOTT, MA 01907-1938

Mortgage

Document Number	200626001750
Date	Jun 26, 2020
Instrument	200626001750

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 15 Hardy Rd was $11,830, up 7.8% 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	$11,830.00 (+7.81%)	$985,800 (+3.04%) Land $349,100 Building $636,700	$1,191,808 (+9.69%)
2025	$10,973.00	$956,700 Land $332,800 Building $623,900	$1,086,515
2023	$9,718.00	$827,800 Land $284,100 Building $543,700

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

Flood

FEMA maps place 15 Hardy Rd in Zone X, an area of minimal flood risk, though there have been 49 flood claims nearby since 1978.

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
Flood Insurance Cost	Premium on File median of 29 individual policies
Nearby Flood Policies	46 units insured incl. 17 condo units
Nearby Flood Claims	49 (1978–2024)
Claims Outside the SFHA	18 of 49
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Extreme Weather Conditons And Flooding, Oct 1996 · 8 claims Winter Coastal Storm, Dec 1992 · 4 claims Coastal Storm, Oct 1991 · 6 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 Hardy Rd 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 503 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 / 2,000

May also be available: T-Mobile.

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