22 Phillips Cir, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 22 Phillips Cir, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,904 sqft · built 1923
Lot Size	0.25 acres (10,877 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Jul 2006)
Tax Bill	$9,514 (2026)
Deeds & Mortgages	Aug 2022 Refinance Aug 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0023 B:0027 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0023 B:0027 L:0`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,904 sqft Living Area
Gross Area	4,202 sqft
Basement Area	1,044 sqft
Unfinished Basement	1,044 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,877 sqft (0.25 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	22 PHILLIPS CIR
City	SWAMPSCOTT
State	MA
Zip	01907-2333
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Subdivision	PHILLIPS CIRCLE
Legal Block	27
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	4
Census Block	4010
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	22 PHILLIPS CIR, SWAMPSCOTT, MA 01907-2333
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Aug 27, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Jan 9, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2006 · Amount on Record
Deed Sale	Jul 28, 2006 · Amount on Record
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	22 PHILLIPS CIR, SWAMPSCOTT, MA 01907-2333
Transaction Type	Mortgage
Record Updated	Aug 19, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041101-98
Date	Aug 1, 2022
Book Page	41101/98
Instrument	20220801000330

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	22 PHILLIPS CIR, SWAMPSCOTT, MA 01907-2333
Document Number	37823-126
Instrument Date	Aug 27, 2019
Transaction Type	Mortgage
Record Updated	Sep 24, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 PHILLIPS CIR SWAMPSCOTT MA 019072333, SWAMPSCOTT, MA 01907-2333

Mortgage

Document Number	37823-126
Date	Sep 9, 2019
Book Page	037823/000126
Instrument	9000500

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 8, 2049

Interest

Rate Type	Adjustable Rate

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	22 PHILLIPS CIR, SWAMPSCOTT, MA 01907-2333
Document Number	37317-336
Instrument Date	Jan 9, 2019
Transaction Type	Mortgage
Record Updated	Feb 26, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 PHILLIPS CIR SWAMPSCOTT MA 019072333, SWAMPSCOTT, MA 01907-2333

Mortgage

Document Number	37317-336
Date	Feb 7, 2019
Book Page	037317/000336
Instrument	7001540

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 6, 2049

Interest

Rate Type	Adjustable Rate

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	$9,514.00 (+4.22%)	$792,800 (-0.39%) Land $422,600 Building $370,200	$865,797 (+12.51%)
2025	$9,129.00 (+10.8%)	$795,900 (+13.41%) Land $422,600 Building $373,300	$769,500
2023	$8,239.00	$701,800 Land $360,700 Building $341,100

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	2 in force
Nearby Flood Claims	122 (1978–2018)
Claims Outside the SFHA	23 of 122
Most Recent Claim	Mar 2018 · Severe Winter Storm And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 12 claims Coastal Storm, Oct 1991 · 21 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 5 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 374 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 / 2,000

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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