23 Phillips Ave, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 23 Phillips Ave, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 4,663 sqft · built 1925
Lot Size	0.589 acres (25,661 sqft)
Owner	2 Trust Names on File
Last Sale	$1,400,000 (Jul 2023)
Tax Bill	$16,576 (2026)
Deeds & Mortgages	Jul 2026 Transfer Jun 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0029 B:0029 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0029 B:0029 L:0`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,663 sqft Living Area
Gross Area	7,823 sqft
Basement Area	2,015 sqft
Unfinished Basement	2,015 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Frame
Roof Type	Hip
Roof Material	Slate
Lot Area	25,661 sqft (0.589 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	23 PHILLIPS AVE
City	SWAMPSCOTT
State	MA
Zip	01907-2438
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Block	29
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	5
Census Block	5018
Census Tract	202200

Owner

23 Phillips Ave is owner-occupied and held in a trust since July 2023.

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

Owner of Record	2 Trust Names on File
Mailing Address	23 PHILLIPS AVE, SWAMPSCOTT, MA 01907-2438
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

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
Jul 15, 2026	Quit Claim Deed, Transfer Quitclaim
Jun 30, 2025	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Jul 7, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TD BANK NA
Jul 7, 2023	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2023 · Amount on File
Deed Sale	Jul 7, 2023 · Amount on File
Deed Document Number	202320230707001600
Deed Book / Page	41650 / 599
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Jul 15, 2026
Property Address	23 PHILLIPS AVE, SWAMPSCOTT, MA 01907-2438
Document Number	0000003130
Book / Page	43508 / 371
Instrument Date	Jul 14, 2026
Instrument	20263130
Transaction Type	Transfer
Record Updated	Aug 31, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 PHILLIPS AVE, SWAMPSCOTT, MA 01907-2438

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	23 PHILLIPS AVE, SWAMPSCOTT, MA 01907-2438
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042802-548
Date	Jun 30, 2025
Book Page	42802/548
Instrument	20250630000790

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

Interest

Rate Type	Adjustable Rate

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Jul 7, 2023
Property Address	23 PHILLIPS AVE, SWAMPSCOTT, MA 01907-2438
Document Number	041650-599
Book / Page	41650 / 599
Instrument Date	Jul 7, 2023
Instrument	20230707001600
Transaction Type	Transfer
Record Updated	Jul 21, 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	23 PHILLIPS AVE, SWAMPSCOTT, MA 01907-2438

Mortgage

Document Number	230707001610
Date	Jul 7, 2023
Instrument	230707001610

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Type Change Date	Aug 1, 2030
Max Rate At Change	3%
Index	Other
Margin	3

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Jul 7, 2023
Property Address	23 PHILLIPS AVE, SWAMPSCOTT, MA 01907-2438
Document Number	041650-334
Book / Page	41650 / 334
Instrument Date	Jul 5, 2023
Instrument	20230707001030
Transaction Type	Transfer
Record Updated	Jul 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 PHILLIPS AVE, SWAMPSCOTT, MA 01907-2438

Tax Assessment & Valuation

The 2026 property tax bill for 23 Phillips Ave was $16,576, up 2.5% 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	$16,576.00 (+2.51%)	$1,381,300 (-2.02%) Land $696,700 Building $684,600	$1,860,511 (+4.34%)
2025	$16,170.00	$1,409,800 Land $634,800 Building $775,000	$1,783,055
2023	$19,749.00	$1,682,200 Land $541,900 Building $1,140,300

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

Flood

FEMA maps place 23 Phillips Ave 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 23 Phillips 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 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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