21 Middlesex Ave, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 21 Middlesex Ave, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,596 sqft · built 1900
Lot Size	0.066 acres (2,888 sqft)
Owner	2 Individual Names on File
Last Sale	$392,000 (Mar 2011)
Tax Bill	$8,852 (2026)
Deeds & Mortgages	Aug 2020 Refinance Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0003 B:0141 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0003 B:0141 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	1,596 sqft Living Area
Gross Area	2,992 sqft
Basement Area	713 sqft
Unfinished Basement	713 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,888 sqft (0.066 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	21 MIDDLESEX AVE
City	SWAMPSCOTT
State	MA
Zip	01907-1802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A3
Legal Subdivision	SWAMPSCOTT LAND
Legal Block	141
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	3
Census Block	3003
Census Tract	202104

Owner

21 Middlesex Ave is owned and occupied by two individuals who bought it in March 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	21 MIDDLESEX AVE, SWAMPSCOTT, MA 01907-1802
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Aug 5, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance THE FEDERAL SAVINGS BANK
Jun 12, 2018	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2011 · Amount on File
Deed Sale	Mar 25, 2011 · Amount on File
Prior Sale	Jul 20, 2005 · Amount on File
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	21 MIDDLESEX AVE, SWAMPSCOTT, MA 01907-1802
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38788-437
Date	Aug 5, 2020
Book Page	38788/437
Instrument	20200805000240

Lender

Name	THE FEDERAL SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	21 MIDDLESEX AVE, SWAMPSCOTT, MA 01907-1802
Document Number	36801-375
Instrument Date	Jun 12, 2018
Transaction Type	Mortgage
Record Updated	Aug 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	21 MIDDLESEX AVE SWAMPSCOTT MA 019071802, SWAMPSCOTT, MA 01907-1802

Mortgage

Document Number	36801-375
Date	Jun 20, 2018
Book Page	036801/000375
Instrument	180620216

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 19, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 21 Middlesex Ave was $8,852, up 4% 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	$8,852.00 (+4.02%)	$737,700 (-0.57%) Land $251,600 Building $486,100	$779,703 (-0.08%)
2025	$8,510.00	$741,900 Land $251,600 Building $490,300	$780,330
2023	$7,570.00	$644,800 Land $217,800 Building $427,000

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

Flood

FEMA maps place 21 Middlesex Ave in Zone X, an area of minimal flood risk.

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	5 in force

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

The area around 21 Middlesex Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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 1,019 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 / 2,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Starry.

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