20 Lodge Rd, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 20 Lodge Rd, Swampscott, MA 01907

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,368 sqft · built 1906
Lot Size	0.116 acres (5,062 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,175 (2026)
Deeds & Mortgages	Jun 2023 Refinance Jan 2022 Refinance + 1 more
Flood Zone	Zone AE (high risk)
APN	`SWAM M:0024 B:0030 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0024 B:0030 L:0`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,368 sqft Living Area
Gross Area	1,476 sqft
Basement Area	720 sqft
Unfinished Basement	108 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,062 sqft (0.116 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	20 LODGE RD
City	SWAMPSCOTT
State	MA
Zip	01907-2642
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	A4
Legal Block	30
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	2
Census Block	2000
Census Tract	202200

Owner

20 Lodge Rd, a duplex, is owned and occupied by two individuals who acquired it in February 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 LODGE RD, SWAMPSCOTT, MA 01907-2642
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 21, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance SAINT JEANS CU
Jan 31, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP
Feb 3, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 3, 2022
Transfer Doc	0040704-45
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	20 LODGE RD, SWAMPSCOTT, MA 01907-2642
Transaction Type	Mortgage
Record Updated	Jul 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041622-430
Date	Jun 21, 2023
Book Page	41622/430
Instrument	20230621001490

Lender

Name	SAINT JEANS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	20 LODGE RD, SWAMPSCOTT, MA 01907-2642
Transaction Type	Mortgage
Record Updated	Feb 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040693-219
Date	Jan 31, 2022
Book Page	40693/219
Instrument	20220131002450

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

February 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Feb 3, 2022
Property Address	20 LODGE RD, SWAMPSCOTT, MA 01907-2642
Document Number	0040704-45
Book / Page	40704 / 45
Instrument Date	Feb 3, 2022
Instrument	20220203003350
Transaction Type	Transfer
Record Updated	Nov 15, 2022

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
Relationship	Tenants in Common
Address	81 GRANT ST, LYNN, MA 01902-3538

Tax Assessment & Valuation

The 2026 property tax bill for 20 Lodge Rd was $7,175, up 7% 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	$7,175.00 (+6.96%)	$597,900 (+2.24%) Land $339,200 Building $258,700	$717,135
2025	$6,708.00	$584,800 Land $339,200 Building $245,600
2023	$6,179.00	$526,300 Land $289,500 Building $236,800

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

Flood

FEMA maps place 20 Lodge Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	15.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 90 individual policies
Nearby Flood Policies	154 units insured incl. 64 condo units
Nearby Flood Claims	122 (1978–2025)
Claims Outside the SFHA	68 of 122
Most Recent Claim	Sep 2025
Claims by Event	Severe Winter Storm And Flooding, Mar 2018 · 12 claims Coastal Storm, Oct 1991 · 23 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 15 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 20 Lodge 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 98% of the US · lower than 96% 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 407 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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