2 Prospect Ave, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 2 Prospect Ave, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,634 sqft · built 1930
Lot Size	0.114 acres (4,979 sqft)
Owner	2 Individual Names on Record
Last Sale	$800,000 (Jul 2021)
Tax Bill	$9,991 (2026)
Deeds & Mortgages	Apr 2020 Refinance Nov 2019 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0020 B:0081 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0020 B:0081 L:0`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,634 sqft Living Area
Gross Area	3,322 sqft
Basement Area	752 sqft
Unfinished Basement	752 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,979 sqft (0.114 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	2 PROSPECT AVE
City	SWAMPSCOTT
State	MA
Zip	01907-2214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Block	81
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	3
Census Block	3014
Census Tract	202200

Owner

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 Individual Names on Record
Mailing Address	2 PROSPECT AVE, SWAMPSCOTT, MA 01907-2214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance RESIDENTIAL MORTGAGE SERVICES
Nov 13, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance RESIDENTIAL MORTGAGE SERVICES
Dec 21, 2020	Deed of Trust, Mortgage · Line of Credit RIVER WORKS CREDIT UNION
Jul 15, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA
Oct 20, 2017	Quit Claim Deed, Transfer · FHA Mortgage EASTERN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2021 · Amount on Record
Deed Sale	Jul 15, 2021 · Amount on Record
Prior Sale	Oct 20, 2017 · Amount on Record
Deed Book / Page	40085 / 256
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	2 PROSPECT AVE, SWAMPSCOTT, MA 01907-2214
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	038407-555
Date	Apr 10, 2020
Book Page	38407/555
Instrument	20200410000510

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	2 PROSPECT AVE, SWAMPSCOTT, MA 01907-2214
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	038022-101
Date	Nov 13, 2019
Book Page	38022/101
Instrument	20191113003370

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2034

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	2 PROSPECT AVE, SWAMPSCOTT, MA 01907-2214
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039319-446
Date	Dec 21, 2020
Book Page	39319/446
Instrument	20201221004080

Lender

Name	RIVER WORKS CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jan 1, 2046

Interest

Rate Type	Adjustable Rate

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Jul 15, 2021
Property Address	2 PROSPECT AVE, SWAMPSCOTT, MA 01907-2214
Document Number	040085-256
Book / Page	40085 / 256
Instrument Date	Jul 15, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount Recorded
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	2 PROSPECT AVE, SWAMPSCOTT, MA 01907-2214

Mortgage

Document Number	0040085259
Date	Jul 15, 2021
Instrument	40085/259

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Oct 20, 2017
Property Address	2 PROSPECT AVE, SWAMPSCOTT, MA 01907-2214
Document Number	036268-526
Book / Page	36268 / 526
Instrument	171020004440
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$74.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 PROSPECT AVE, SWAMPSCOTT, MA 01907-2214
Investor	Possibly a Property Investor

Mortgage

Document Number	0362680528
Date	Oct 20, 2017
Instrument	36268/0528

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 20, 2047

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	$9,991.00 (+4.39%)	$832,600 (-0.22%) Land $337,900 Building $494,700	$913,314 (-6.2%)
2025	$9,571.00 (+11.52%)	$834,400 (+14.15%) Land $337,900 Building $496,500	$973,655
2023	$8,582.00	$731,000 Land $288,500 Building $442,500

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

Nearby Properties on Prospect Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures