21 Prospect Ave, Swampscott, MA 01907 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,380 sqft · built 1940
Lot Size	0.123 acres (5,349 sqft)
Owner	2 Individual Names on File
Last Sale	$1,100,000 (Jan 2026)
Tax Bill	$9,889 (2026)
Deeds & Mortgages	Jan 2026 Sale & Mortgage May 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0020 B:0034 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0020 B:0034 L:0`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,380 sqft Living Area
Gross Area	3,692 sqft
Basement Area	912 sqft
Unfinished Basement	912 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,349 sqft (0.123 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	21 PROSPECT AVE
City	SWAMPSCOTT
State	MA
Zip	01907-2213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Block	34
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	3
Census Block	3012
Census Tract	202200

Owner

21 Prospect Ave is owned and occupied by two individuals who bought it in January 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	21 PROSPECT AVE, SWAMPSCOTT, MA 01907-2213
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jan 7, 2026	Quit Claim Deed, Transfer · Conventional Mortgage LEADER BANK NA
May 1, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAMBRIDGE SAVINGS BANK
Dec 23, 2019	Deed of Trust, Mortgage · Balloon Mortgage SALEM FIVE CENTS SAVINGS BANK
May 29, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2026 · Amount on File
Deed Sale	Jan 7, 2026 · Amount on File
Prior Sale	May 1, 2023 · Amount on File
Deed Document Number	20261270
Deed Book / Page	43167 / 410
Record Updated	Oct 29, 2026

January 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Jan 7, 2026
Property Address	21 PROSPECT AVE, SWAMPSCOTT, MA 01907-2213
Document Number	043167-410
Book / Page	43167 / 410
Instrument Date	Jan 7, 2026
Instrument	20260107001270
Transaction Type	Transfer
Record Updated	Mar 13, 2026

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	21 PROSPECT AVE, SWAMPSCOTT, MA 01907-2213

Mortgage

Document Number	20260107001280
Date	Jan 7, 2026
Instrument	20260107001280

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Feb 1, 2033
Index	1-Year CMT

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	May 1, 2023
Property Address	21 PROSPECT AVE, SWAMPSCOTT, MA 01907-2213
Document Number	041544-279
Book / Page	41544 / 279
Instrument Date	May 1, 2023
Instrument	20230501002170
Transaction Type	Transfer
Record Updated	May 19, 2023

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	21 PROSPECT AVE, SWAMPSCOTT, MA 01907-2213

Mortgage

Document Number	230501002180
Date	May 1, 2023
Instrument	230501002180

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5.13%
Type Change Date	May 1, 2030
Max Rate At Change	2.75%
Index	Other

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	21 PROSPECT AVE, SWAMPSCOTT, MA 01907-2213
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38141-374
Date	Dec 23, 2019
Book Page	38141/374
Instrument	20191223003480

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	May 29, 2019
Property Address	21 PROSPECT AVE, SWAMPSCOTT, MA 01907-2213
Document Number	37543-345
Book / Page	037543 / 000345
Instrument Date	May 28, 2019
Instrument	1905293840
Transaction Type	Transfer
Record Updated	Jun 18, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	21 PROSPECT AVE SWAMPSCOTT MA 019072213, SWAMPSCOTT, MA 01907-2213

Tax Assessment & Valuation

The 2026 property tax bill for 21 Prospect Ave was $9,889, up 6.3% 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	$9,889.00 (+6.34%)	$824,100 (+1.65%) Land $343,300 Building $480,800	$1,130,058 (+13.14%)
2025	$9,299.00	$810,700 Land $343,300 Building $467,400	$998,830
2023	$7,735.00	$658,900 Land $293,000 Building $365,900

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

Flood

FEMA maps place 21 Prospect Ave in Zone X, an area of minimal flood risk, though there have been 70 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	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

The area around 21 Prospect 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 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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