Essex County and Swampscott Town property record for 295 Forest Ave, Swampscott, MA 01907
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,775 sqft · built 1940 |
| Lot Size | 0.173 acres (7,545 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,909 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage Jun 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | SWAM M:0018 B:0006 L:0 |
| Primary APN | SWAM M:0018 B:0006 L:0 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,775 sqft Living Area |
| Gross Area | 3,450 sqft |
| Basement Area | 1,014 sqft |
| Unfinished Basement | 1,014 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,545 sqft (0.173 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 295 FOREST AVE |
|---|---|
| City | SWAMPSCOTT |
| State | MA |
| Zip | 01907-2245 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | N/A |
| Legal Subdivision | WHITNEY ESTATE |
| Legal Block | 6 |
| Jurisdiction | SWAMPSCOTT MA |
| Township / Civil Division | SWAMPSCOTT |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 202200 |
295 Forest Ave is owned and occupied by two individuals.
Source: Essex County and Swampscott Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 295 FOREST AVE, SWAMPSCOTT, MA 01907-2245 |
| 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 |
|---|---|
| Dec 10, 2025 | Deed of Trust, Mortgage · Conventional Mortgage METRO CU |
| Jun 14, 2023 | Deed of Trust, Mortgage · Line of Credit METRO CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SWAMPSCOTT MA |
| Property Address | 295 FOREST AVE, SWAMPSCOTT, MA 01907-2245 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2025 |
| Name | Verified Name |
|---|
| Document Number | 043119-273 |
|---|---|
| Date | Dec 10, 2025 |
| Book Page | 43119/273 |
| Instrument | 20251210001680 |
| Name | METRO CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SWAMPSCOTT MA |
| Property Address | 295 FOREST AVE, SWAMPSCOTT, MA 01907-2245 |
| Transaction Type | Mortgage |
| Record Updated | Jul 3, 2023 |
| Name | Verified Name |
|---|
| Document Number | 041611-302 |
|---|---|
| Date | Jun 14, 2023 |
| Book Page | 41611/302 |
| Instrument | 20230614000770 |
| Name | METRO CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jul 1, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 295 Forest Ave was $7,909, up 7.5% 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 | $7,909.00 (+7.49%) | $659,100 (+2.74%) Land $306,200 Building $352,900 | $794,424 (+14.4%) |
| 2025 | $7,358.00 | $641,500 Land $306,200 Building $335,300 | $694,450 |
| 2023 | $6,859.00 | $584,200 Land $274,200 Building $310,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 295 Forest Ave in Zone X, an area of minimal flood risk, though there have been 122 flood claims nearby since 1978.
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 |
|
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 risk around 295 Forest Ave 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 99.1% of the US · lower than 98.7% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 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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