25 Brooks Ter, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 25 Brooks Ter, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,336 sqft · built 1964
Lot Size	0.181 acres (7,871 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Mar 2014)
Tax Bill	$8,953 (2026)
Deeds & Mortgages	Nov 2023 Line of Credit Aug 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0016 B:0164 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0016 B:0164 L:0`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,336 sqft Living Area
Gross Area	3,150 sqft
Basement Area	1,336 sqft
Unfinished Basement	1,336 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,871 sqft (0.181 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	25 BROOKS TER
City	SWAMPSCOTT
State	MA
Zip	01907-2104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Block	164
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	1
Census Block	1006
Census Tract	202101

Owner

25 Brooks Ter is owned and occupied by two individuals who bought it in March 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	25 BROOKS TER, SWAMPSCOTT, MA 01907-2104
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Nov 13, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Aug 11, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2014 · Amount on File
Deed Sale	Mar 17, 2014 · Amount on File
Prior Sale	Aug 25, 1995 · Amount on File
Transfer Doc	0000550759
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	25 BROOKS TER, SWAMPSCOTT, MA 01907-2104
Transaction Type	Mortgage
Record Updated	Dec 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000647949
Date	Nov 13, 2023
Instrument	647949

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	25 BROOKS TER, SWAMPSCOTT, MA 01907-2104
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000628140
Date	Aug 11, 2021
Instrument	628140

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 25 Brooks Ter was $8,953, up 10.9% 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	$8,953.00 (+10.86%)	$746,100 (+5.97%) Land $398,000 Building $348,100	$770,205 (+2.9%)
2025	$8,076.00	$704,100 Land $379,500 Building $324,600	$748,505
2023	$7,704.00	$656,200 Land $342,400 Building $313,800

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

Flood

FEMA maps place 25 Brooks Ter in Zone X, an area of minimal flood risk, though there have been 8 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 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	8 (1991–2011)
Claims Outside the SFHA	7 of 8
Most Recent Claim	Oct 2011 · rainfall accumulation

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

Wildfire risk around 25 Brooks Ter is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 96% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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

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