Essex County and Swampscott Town property record for 16 Cliff Rd, Swampscott, MA 01907
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 4,552 sqft · built 2011 |
| Lot Size | 0.41 acres (17,864 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $1,995,000 (Sep 2023) |
| Tax Bill | $22,939 (2026) |
| Deeds & Mortgages | Jun 2023 Refinance May 2025 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SWAM M:0035 B:0024 L:0 |
| Primary APN | SWAM M:0035 B:0024 L:0 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 4,552 sqft Living Area |
| Gross Area | 5,914 sqft |
| Basement Area | 1,700 sqft |
| Unfinished Basement | 680 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 17,864 sqft (0.41 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 16 CLIFF RD |
|---|---|
| City | SWAMPSCOTT |
| State | MA |
| Zip | 01907-2804 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A1 |
| Legal Subdivision | GATE ESTATE |
| Legal Block | 24 |
| Jurisdiction | SWAMPSCOTT MA |
| Township / Civil Division | SWAMPSCOTT |
| Census Block Group | 6 |
| Census Block | 6012 |
| Census Tract | 202200 |
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 Company Names on Record |
|---|---|
| Mailing Address | 16 CLIFF RD, SWAMPSCOTT, MA 01907-2804 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Jun 21, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance HAROLD B MURPHY |
| May 28, 2025 | Correction Deed · Conventional Mortgage ROCKET MORTGAGE |
| Sep 21, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE |
| Jul 18, 2018 | Quit Claim Deed, Transfer LENDUSA LLC |
| Jun 13, 2017 | Quit Claim Deed, Transfer CLIFF ROAD REALTY TR (CT) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 21, 2023 · Amount on Record |
| Deed Sale | Sep 21, 2023 · Amount on Record |
| Prior Sale | Jul 18, 2018 |
| Deed Book / Page | 41772 / 207 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SWAMPSCOTT MA |
| Property Address | 16 CLIFF RD, SWAMPSCOTT, MA 01907-2804 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 041622-106 |
|---|---|
| Date | Jun 21, 2023 |
| Book Page | 41622/106 |
| Instrument | 20230621000420 |
| Name | HAROLD B MURPHY |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | SWAMPSCOTT MA |
| Recording Date | May 28, 2025 |
| Property Address | 16 CLIFF RD, SWAMPSCOTT, MA 01907-2804 |
| Document Number | 042737-462 |
| Book / Page | 42737 / 462 |
| Instrument Date | May 13, 2025 |
| Instrument | 20250528000930 |
| Record Updated | Mar 13, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16 CLIFF RD, SWAMPSCOTT, MA 01907-2804 |
| Document Number | 20250528000940 |
|---|---|
| Date | May 28, 2025 |
| Instrument | 20250528000940 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.3% |
| Type Change Date | Jun 1, 2032 |
| Index | Other |
| Margin | 3 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SWAMPSCOTT MA |
| Recording Date | Sep 21, 2023 |
| Property Address | 16 CLIFF RD, SWAMPSCOTT, MA 01907-2804 |
| Document Number | 041772-207 |
| Book / Page | 41772 / 207 |
| Instrument Date | Sep 21, 2023 |
| Instrument | 20230921002780 |
| Transaction Type | Transfer |
| Record Updated | Oct 9, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16 CLIFF RD, SWAMPSCOTT, MA 01907-2804 |
| Document Number | 230921002790 |
|---|---|
| Date | Sep 21, 2023 |
| Instrument | 230921002790 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.13% |
| Type Change Date | Oct 1, 2033 |
| Max Rate At Change | 3% |
| Index | Other |
| Margin | 3 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SWAMPSCOTT MA |
| Recording Date | Jul 18, 2018 |
| Property Address | 16 CLIFF RD, SWAMPSCOTT, MA 01907-2804 |
| Document Number | 36871-393 |
| Book / Page | 36871 / 393 |
| Instrument | 180718002950 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $170.91 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16 CLIFF RD, SWAMPSCOTT, MA 01907-2804 |
| Document Number | 36871-395 |
|---|---|
| Date | Jul 18, 2018 |
| Book Page | 36871/395 |
| Instrument | 296 |
| Name | LENDUSA LLC |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 1, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SWAMPSCOTT MA |
| Recording Date | Jun 13, 2017 |
| Property Address | 16 CLIFF RD, SWAMPSCOTT, MA 01907-2804 |
| Document Number | 35936-216 |
| Book / Page | 035936 / 000216 |
| Instrument Date | Jun 12, 2017 |
| Instrument | 1706130148 |
| Transaction Type | Transfer |
| Record Updated | Jul 4, 2017 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,788.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 16 CLIFF RD SWAMPSCOTT MA 019072804, SWAMPSCOTT, MA 01907-2804 |
| Document Number | 35936-218 |
|---|---|
| Date | Jun 13, 2017 |
| Book Page | 035936/000218 |
| Instrument | 1706130149 |
| Name | CLIFF ROAD REALTY TR (CT) |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 12 Months |
| Due | Jun 12, 2018 |
Source: Essex County and Swampscott Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Swampscott Town |
| Unified School District | Swampscott School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $22,939.00 (+8.84%) | $1,911,600 (+4.04%) Land $605,800 Building $1,305,800 | $2,116,504 (-0.05%) |
| 2025 | $21,075.00 (+23.02%) | $1,837,400 (+25.91%) Land $581,500 Building $1,255,900 | $2,117,645 |
| 2023 | $17,132.00 | $1,459,300 Land $508,800 Building $950,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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 |
|
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 153 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures