26 Thomas Rd, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 26 Thomas Rd, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,290 sqft · built 1906
Lot Size	0.151 acres (6,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$710,000 (Jul 2022)
Tax Bill	$8,652 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0001 B:028A L:0`

Property Details

APN / Parcel Number

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

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,290 sqft Living Area
Gross Area	2,492 sqft
Basement Area	776 sqft
Unfinished Basement	776 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,560 sqft (0.151 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	26 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	28A
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	26 THOMAS RD, SWAMPSCOTT, MA 01907-1927
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE AFFINITY LLC
Apr 12, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2022 · Amount on Record
Deed Sale	Jul 12, 2022 · Amount on Record
Prior Sale	Apr 12, 2019 · Amount on Record
Deed Book / Page	41060 / 2
Record Updated	Oct 29, 2026

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Jul 12, 2022
Property Address	26 THOMAS RD, SWAMPSCOTT, MA 01907-1927
Document Number	00041060-2
Book / Page	41060 / 2
Instrument Date	Jul 12, 2022
Instrument	20220712001960
Transaction Type	Transfer
Record Updated	Jul 29, 2022

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	26 THOMAS RD, SWAMPSCOTT, MA 01907-1927

Mortgage

Document Number	220712001970
Date	Jul 12, 2022
Instrument	220712001970

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Apr 12, 2019
Property Address	26 THOMAS RD, SWAMPSCOTT, MA 01907-1927
Document Number	37439-15
Book / Page	37439 / 15
Instrument Date	Mar 12, 2019
Instrument	20190412004250
Transaction Type	Transfer
Record Updated	May 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
Address	26 THOMAS RD, SWAMPSCOTT, MA 01907-1927
Investor	Possibly a Property Investor

Mortgage

Document Number	190412004260
Date	Apr 12, 2019
Instrument	190412004260

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

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	$8,652.00 (+7.24%)	$721,000 (+2.5%) Land $360,600 Building $360,400	$724,549 (-9.07%)
2025	$8,068.00 (+10.61%)	$703,400 (+13.21%) Land $360,600 Building $342,800	$796,860
2023	$7,294.00	$621,300 Land $307,800 Building $313,500

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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