23 Phillips Cir, Swampscott, MA 01907 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,082 sqft · built 1965
Lot Size	0.172 acres (7,505 sqft)
Owner	2 Individual Names on Record
Last Sale	$442,000 (Jul 2007)
Tax Bill	$10,712 (2026)
Deeds & Mortgages	May 2026 Line of Credit May 2022 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0023 B:0023 L:0`

Property Details

APN / Parcel Number

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

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,082 sqft Living Area
Gross Area	3,988 sqft
Basement Area	844 sqft
Unfinished Basement	844 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,505 sqft (0.172 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	23 PHILLIPS CIR
City	SWAMPSCOTT
State	MA
Zip	01907-2332
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Block	23
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	23 PHILLIPS CIR, SWAMPSCOTT, MA 01907-2332
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
May 9, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP
Aug 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MASSACHUSETTS INSTITUTE OF TECHNOLOGY
Oct 20, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MEMBERS MORTGAGE COMPANY INC
Sep 20, 2019	Deed of Trust, Mortgage · Line of Credit MASSACHUSETTS INST/TECH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2007 · Amount on Record
Deed Sale	Jul 31, 2007 · Amount on Record
Prior Sale	Aug 30, 2002 · Amount on Record
Deed Book / Page	27067 / 122
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Recording Date	May 26, 2026
Property Address	23 PHILLIPS CIR, SWAMPSCOTT, MA 01907-2332
Document Number	043404-545
Book / Page	43404 / 545
Instrument Date	May 16, 2026
Instrument	20261860
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 PHILLIPS CIR, SWAMPSCOTT, MA 01907-2332

Mortgage

Document Number	0000001860,
Date	May 26, 2026
Book Page	43404/545
Instrument	20261860

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Jun 1, 2066

Interest

Rate	6.3%
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	23 PHILLIPS CIR, SWAMPSCOTT, MA 01907-2332
Transaction Type	Mortgage
Record Updated	May 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040921-132
Date	May 9, 2022
Book Page	40921/132
Instrument	20220509003160

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

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

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	23 PHILLIPS CIR, SWAMPSCOTT, MA 01907-2332
Transaction Type	Mortgage
Record Updated	Sep 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40186-138
Date	Aug 17, 2021
Book Page	40186/138
Instrument	20210817004790

Lender

Name	MASSACHUSETTS INSTITUTE OF TECHNOLOGY

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2041

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	23 PHILLIPS CIR, SWAMPSCOTT, MA 01907-2332
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39078-216
Date	Oct 20, 2020
Book Page	39078/216
Instrument	20201020003070

Lender

Name	MEMBERS MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	23 PHILLIPS CIR, SWAMPSCOTT, MA 01907-2332
Document Number	37872-499
Instrument Date	Sep 20, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 PHILLIPS CIR SWAMPSCOTT MA 019072332, SWAMPSCOTT, MA 01907-2332

Mortgage

Document Number	37872-499
Date	Sep 25, 2019
Book Page	037872/000499
Instrument	1909252350

Lender

Name	MASSACHUSETTS INST/TECH

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 24, 2039

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	$10,712.00 (+5.44%)	$892,700 (+0.79%) Land $336,800 Building $555,900	$1,101,391 (+39.38%)
2025	$10,159.00 (+34.88%)	$885,700 (+38.05%) Land $336,800 Building $548,900	$790,210
2023	$7,532.00	$641,600 Land $287,500 Building $354,100

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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