16 Laurel Rd, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 16 Laurel Rd, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,690 sqft · built 1950
Lot Size	0.276 acres (12,044 sqft)
Owner	2 Individual Names on File
Last Sale	$625,000 (Jul 2020)
Tax Bill	$8,825 (2026)
Deeds & Mortgages	Oct 2019 Mortgage Sep 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0018 B:0019 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0018 B:0019 L:0`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,690 sqft Living Area
Gross Area	3,478 sqft
Basement Area	465 sqft
Unfinished Basement	465 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,044 sqft (0.276 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	16 LAUREL RD
City	SWAMPSCOTT
State	MA
Zip	01907-2313
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Subdivision	WHITNEY ESTATE
Legal Block	19
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	4
Census Block	4001
Census Tract	202200

Owner

16 Laurel Rd is owned and occupied by two individuals who bought it in July 2020.

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	2 Individual Names on File
Mailing Address	16 LAUREL RD, SWAMPSCOTT, MA 01907-2313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2019	Deed of Trust, Mortgage · Balloon Mortgage COASTAL HERITAGE BANK
Sep 28, 2020	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Jul 2, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2020 · Amount on File
Deed Sale	Jul 2, 2020 · Amount on File
Prior Sale	Nov 17, 2004 · Amount on File
Deed Book / Page	38677 / 521
Prior Transfer Date	Jun 25, 2020
Prior Transfer Doc	38677-521
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	16 LAUREL RD, SWAMPSCOTT, MA 01907-2313
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37955-279
Date	Oct 22, 2019
Book Page	37955/279
Instrument	20191022002530

Lender

Name	COASTAL HERITAGE BANK

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2044

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	16 LAUREL RD, SWAMPSCOTT, MA 01907-2313
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38990-250
Date	Sep 28, 2020
Book Page	38990/250
Instrument	20200928006940

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Jul 2, 2020
Property Address	16 LAUREL RD, SWAMPSCOTT, MA 01907-2313
Document Number	38677-521
Book / Page	38677 / 521
Instrument Date	Jun 25, 2020
Instrument	20200702002480
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
Relationship	Tenants by the Entirety
Address	16 LAUREL RD, SWAMPSCOTT, MA 01907-2313

Mortgage

Document Number	200702002490
Date	Jul 2, 2020
Instrument	200702002490

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 16 Laurel Rd was $8,825, up 5.8% 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	$8,825.00 (+5.79%)	$735,400 (+1.11%) Land $439,300 Building $296,100	$788,582 (-2.11%)
2025	$8,342.00	$727,300 Land $439,300 Building $288,000	$805,600
2023	$7,618.00	$648,900 Land $375,100 Building $273,800

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

Flood

FEMA maps place 16 Laurel Rd in Zone X, an area of minimal flood risk, though there have been 122 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
Nearby Flood Policies	2 in force
Nearby Flood Claims	122 (1978–2018)
Claims Outside the SFHA	23 of 122
Most Recent Claim	Mar 2018 · Severe Winter Storm And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 12 claims Coastal Storm, Oct 1991 · 21 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 5 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

Wildfire risk around 16 Laurel Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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