Essex County and Swampscott Town property record for 28 Gale Rd, Swampscott, MA 01907
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,618 sqft · built 1965 |
| Lot Size | 0.309 acres (13,469 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $975,000 (Jun 2019) |
| Tax Bill | $14,263 (2026) |
| Deeds & Mortgages | Jun 2021 Refinance Jun 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SWAM M:0035 B:0019 L:0 |
| Primary APN | SWAM M:0035 B:0019 L:0 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,618 sqft Living Area |
| Gross Area | 4,883 sqft |
| Basement Area | 2,274 sqft |
| Finished Basement | 1,137 sqft |
| Unfinished Basement | 1,137 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 13,469 sqft (0.309 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 28 GALE RD |
|---|---|
| City | SWAMPSCOTT |
| State | MA |
| Zip | 01907-2808 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A1 |
| Legal Subdivision | SWAMPSCOTT |
| Legal Block | 19 |
| Jurisdiction | SWAMPSCOTT MA |
| Township / Civil Division | SWAMPSCOTT |
| Census Block Group | 6 |
| Census Block | 6012 |
| Census Tract | 202200 |
28 Gale Rd is owned and occupied by two individuals who bought it in June 2019.
Source: Essex County and Swampscott Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 28 GALE RD, SWAMPSCOTT, MA 01907-2808 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 10, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Jun 9, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Dec 24, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Jun 28, 2019 | Quit Claim Deed, Transfer CITIZENS BK/RI |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 28, 2019 · Amount on File |
| Deed Sale | Jun 28, 2019 · Amount on File |
| Prior Sale | Dec 1, 2010 · Amount on File |
| Prior Transfer Date | Jun 6, 2019 |
| Prior Transfer Doc | 37625-278 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SWAMPSCOTT MA |
| Property Address | 28 GALE RD, SWAMPSCOTT, MA 01907-2808 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 039966-585 |
|---|---|
| Date | Jun 10, 2021 |
| Book Page | 39966/585 |
| Instrument | 20210610003230 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SWAMPSCOTT MA |
| Property Address | 28 GALE RD, SWAMPSCOTT, MA 01907-2808 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 039964-401 |
|---|---|
| Date | Jun 9, 2021 |
| Book Page | 39964/401 |
| Instrument | 20210609004200 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SWAMPSCOTT MA |
| Property Address | 28 GALE RD, SWAMPSCOTT, MA 01907-2808 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2022 |
| Name | Verified Name |
|---|
| Document Number | 040607-551 |
|---|---|
| Date | Dec 24, 2021 |
| Book Page | 40607/551 |
| Instrument | 20211224002860 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SWAMPSCOTT MA |
| Recording Date | Jun 28, 2019 |
| Property Address | 28 GALE RD, SWAMPSCOTT, MA 01907-2808 |
| Document Number | 37625-278 |
| Book / Page | 037625 / 000278 |
| Instrument Date | Jun 6, 2019 |
| Instrument | 1906281360 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,446.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 28 GALE RD SWAMPSCOTT MA 019072808, SWAMPSCOTT, MA 01907-2808 |
| Document Number | 37625-280 |
|---|---|
| Date | Jun 28, 2019 |
| Book Page | 037625/000280 |
| Instrument | 1906281370 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jun 27, 2049 |
The 2026 property tax bill for 28 Gale Rd was $14,263, up 8.9% from the year before.
Source: Essex County and Swampscott Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Swampscott Town |
| Unified School District | Swampscott School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $14,263.00 (+8.85%) | $1,188,600 (+4.04%) Land $532,700 Building $655,900 | $1,394,435 (-5.17%) |
| 2025 | $13,103.00 | $1,142,400 Land $511,400 Building $631,000 | $1,470,505 |
| 2023 | $11,844.00 | $1,008,900 Land $447,400 Building $561,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28 Gale Rd in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1979.
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 48 policies |
| Nearby Flood Policies | 48 in force |
| Nearby Flood Claims | 21 (1979–2024) |
| Claims Outside the SFHA | 5 of 21 |
| Most Recent Claim | Jan 2024 · tidal / storm surge |
| Claims by Event |
|
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.
The area around 28 Gale Rd 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 153 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 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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