15 Prospect Ave, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 15 Prospect Ave, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,372 sqft · built 1937
Lot Size	0.116 acres (5,036 sqft)
Owner	Individual Name on File
Last Sale	$350,725 (Oct 2009)
Tax Bill	$7,902 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Mar 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0020 B:0036 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0020 B:0036 L:0`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,372 sqft Living Area
Gross Area	2,496 sqft
Basement Area	704 sqft
Unfinished Basement	704 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,036 sqft (0.116 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	15 PROSPECT AVE
City	SWAMPSCOTT
State	MA
Zip	01907-2213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Block	36
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	3
Census Block	3012
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	Individual Name on File
Mailing Address	15 PROSPECT AVE, SWAMPSCOTT, MA 01907-2213
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 24, 2025	Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK
Mar 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP
Mar 7, 2018	Deed of Trust, Mortgage SALEM FIVE MTG CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2009 · Amount on File
Deed Sale	Oct 20, 2009 · Amount on File
Prior Sale	May 14, 2004 · Amount on File
Deed Book / Page	29003 / 69
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	15 PROSPECT AVE, SWAMPSCOTT, MA 01907-2213
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	043149-280
Date	Dec 24, 2025
Book Page	43149/280
Instrument	20251224000260

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	15 PROSPECT AVE, SWAMPSCOTT, MA 01907-2213
Transaction Type	Mortgage
Record Updated	Apr 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39698-270
Date	Mar 29, 2021
Book Page	39698/270
Instrument	20210329002860

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

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

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	15 PROSPECT AVE, SWAMPSCOTT, MA 01907-2213
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36572-216
Date	Mar 7, 2018
Book Page	36572/216
Instrument	180307001090

Lender

Name	SALEM FIVE MTG CO

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2048

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	$7,902.00 (+7.16%)	$658,500 (+2.43%) Land $338,800 Building $319,700	$761,677 (+2.16%)
2025	$7,374.00 (+10.41%)	$642,900 (+13.01%) Land $338,800 Building $304,100	$745,560
2023	$6,679.00	$568,900 Land $289,200 Building $279,700

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	4 in force
Nearby Flood Claims	70 (1978–2022)
Claims Outside the SFHA	32 of 70
Most Recent Claim	Dec 2022 · tidal / storm surge
Claims by Event	Winter Coastal Storm, Dec 1992 · 7 claims Coastal Storm, Oct 1991 · 15 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 11 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 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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