21 Mostyn St, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 21 Mostyn St, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,665 sqft · built 1911
Lot Size	0.282 acres (12,280 sqft)
Owner	2 Individual Names on File
Last Sale	$732,500 (Mar 2020)
Tax Bill	$19,771 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Nov 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0031 B:0031 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0031 B:0031 L:0`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	3 Stories
Building Area	3,665 sqft Living Area
Gross Area	6,165 sqft
Basement Area	1,218 sqft
Unfinished Basement	1,218 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,280 sqft (0.282 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	21 MOSTYN ST
City	SWAMPSCOTT
State	MA
Zip	01907-1616
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Block	31
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	5
Census Block	5008
Census Tract	202200

Owner

21 Mostyn St is owned and occupied by two individuals who bought it in March 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	21 MOSTYN ST, SWAMPSCOTT, MA 01907-1616
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
Mar 3, 2026	Deed of Trust, Mortgage WINCHESTER COOPERATIVE BANK
Nov 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NEWBURYPORT FIVE CENTS SAVINGS BANK
Mar 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance COOPERATIVE BANK
Mar 25, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2020 · Amount on File
Deed Sale	Mar 25, 2020 · Amount on File
Prior Sale	Sep 18, 2000 · Amount on File
Deed Document Number	202020200325002310
Deed Book / Page	38364 / 557
Prior Transfer Date	Mar 20, 2020
Prior Transfer Doc	38364-557
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	21 MOSTYN ST, SWAMPSCOTT, MA 01907-1616
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	043252-389
Date	Mar 3, 2026
Book Page	43252/389
Instrument	20260303001660

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2046

Interest

Rate Type	Adjustable Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	21 MOSTYN ST, SWAMPSCOTT, MA 01907-1616
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40492-358
Date	Nov 17, 2021
Book Page	40492/358
Instrument	20211117001880

Lender

Name	NEWBURYPORT FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Dec 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	21 MOSTYN ST, SWAMPSCOTT, MA 01907-1616
Transaction Type	Mortgage
Record Updated	Mar 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39626-31
Date	Mar 9, 2021
Book Page	39626/31
Instrument	20210309002630

Lender

Name	COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Mar 25, 2020
Property Address	21 MOSTYN ST, SWAMPSCOTT, MA 01907-1616
Document Number	38364-557
Book / Page	38364 / 557
Instrument Date	Mar 20, 2020
Instrument	20200325002310
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount 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
Address	25 MAGNOLIA RD, SWAMPSCOTT, MA 01907-2223

Mortgage

Document Number	200325002320
Date	Mar 25, 2020
Instrument	200325002320

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 21 Mostyn St was $19,771, up 10.8% 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	$19,771.00 (+10.82%)	$1,647,600 (+5.93%) Land $485,900 Building $1,161,700	$1,706,353 (-8.54%)
2025	$17,840.00	$1,555,400 Land $442,700 Building $1,112,700	$1,865,705
2023	$15,054.00	$1,282,300 Land $377,900 Building $904,400

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

Flood

FEMA maps place 21 Mostyn St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1991.

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 File median of 33 individual policies
Nearby Flood Policies	35 units insured incl. 2 condo units
Nearby Flood Claims	4 (1991–2024)
Most Recent Claim	Jan 2024 · tidal / storm surge

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 Mostyn St 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 329 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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