22 Thomas Rd, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 22 Thomas Rd, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,561 sqft · built 1920
Lot Size	0.092 acres (3,999 sqft)
Owner	2 Individual Names on Record
Last Sale	$563,000 (Oct 2021)
Tax Bill	$9,132 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Jan 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0001 B:028B L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0001 B:028B L:0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,561 sqft Living Area
Gross Area	3,686 sqft
Basement Area	820 sqft
Unfinished Basement	820 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	3,999 sqft (0.092 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	22 THOMAS RD
City	SWAMPSCOTT
State	MA
Zip	01907-1927
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Block	28B
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	3
Census Block	3003
Census Tract	202101

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 THOMAS RD, SWAMPSCOTT, MA 01907-1927
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jan 9, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Apr 29, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Oct 26, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LARISA RATSKOVSKAYA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2021 · Amount on Record
Deed Sale	Oct 26, 2021 · Amount on Record
Prior Sale	Jul 20, 2001 · Amount on Record
Deed Document Number	202120211026001910
Deed Book / Page	40409 / 579
Prior Transfer Date	Oct 22, 2021
Prior Transfer Doc	40409-579
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	22 THOMAS RD, SWAMPSCOTT, MA 01907-1927
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	043132-148
Date	Dec 16, 2025
Book Page	43132/148
Instrument	20251216003800

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	289 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	22 THOMAS RD, SWAMPSCOTT, MA 01907-1927
Transaction Type	Mortgage
Record Updated	Jan 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041390-198
Date	Jan 9, 2023
Book Page	41390/198
Instrument	20230109000170

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	289 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	22 THOMAS RD, SWAMPSCOTT, MA 01907-1927
Transaction Type	Mortgage
Record Updated	May 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00040899-4
Date	Apr 29, 2022
Book Page	40899/4
Instrument	20220429001820

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

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

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Oct 26, 2021
Property Address	22 THOMAS RD, SWAMPSCOTT, MA 01907-1927
Document Number	40409-579
Book / Page	40409 / 579
Instrument Date	Oct 22, 2021
Instrument	20211026001910
Transaction Type	Transfer
Record Updated	Nov 12, 2021

Transaction

Amount	Amount Recorded
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	22 THOMAS RD, SWAMPSCOTT, MA 01907-1927

Mortgage

Document Number	211026001920
Date	Oct 26, 2021
Instrument	211026001920

Lender

Name	LARISA RATSKOVSKAYA

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$9,132.00 (+3.93%)	$761,000 (-0.67%) Land $323,900 Building $437,100	$802,345 (+17.83%)
2025	$8,787.00 (+12.06%)	$766,100 (+14.7%) Land $323,900 Building $442,200	$680,960
2023	$7,841.00	$667,900 Land $276,500 Building $391,400

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 29 individual policies
Nearby Flood Policies	46 units insured incl. 17 condo units
Nearby Flood Claims	49 (1978–2024)
Claims Outside the SFHA	18 of 49
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Extreme Weather Conditons And Flooding, Oct 1996 · 8 claims Winter Coastal Storm, Dec 1992 · 4 claims Coastal Storm, Oct 1991 · 6 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 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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