3 Beach Ave, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 3 Beach Ave, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,366 sqft · built 1870
Lot Size	0.135 acres (5,889 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (May 2012)
Tax Bill	$8,060 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Apr 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0006 B:0038 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0006 B:0038 L:0`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,366 sqft Living Area
Gross Area	3,644 sqft
Basement Area	1,168 sqft
Unfinished Basement	1,168 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	5,889 sqft (0.135 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	3 BEACH AVE
City	SWAMPSCOTT
State	MA
Zip	01907-1701
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A3
Legal Subdivision	SWAMPSCOTT
Legal Block	38
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	2
Census Block	2004
Census Tract	202104

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3 BEACH AVE, SWAMPSCOTT, MA 01907-1701
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2026	Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION
Apr 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Jan 8, 2021	Deed of Trust, Mortgage · Line of Credit HANSCOM FCU
Mar 3, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance HANSCOM FCU
Jun 19, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HANSCOM FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2012 · Amount on Record
Deed Sale	May 18, 2012 · Amount on Record
Deed Book / Page	31355 / 389
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Recording Date	Sep 14, 2026
Property Address	3 BEACH AVE, SWAMPSCOTT, MA 01907-1701
Document Number	0000001160
Book / Page	43626 / 289
Instrument Date	Sep 9, 2026
Instrument	20261160
Transaction Type	Mortgage
Record Updated	Oct 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 BEACH AVE, SWAMPSCOTT, MA 01907-1701

Mortgage

Document Number	0000001160,
Date	Sep 14, 2026
Book Page	43626/289
Instrument	20261160

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	3 BEACH AVE, SWAMPSCOTT, MA 01907-1701
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039751-308
Date	Apr 9, 2021
Book Page	39751/308
Instrument	20210409004770

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	3 BEACH AVE, SWAMPSCOTT, MA 01907-1701
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039392-122
Date	Jan 8, 2021
Book Page	39392/122
Instrument	20210108005780

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	349 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	3 BEACH AVE, SWAMPSCOTT, MA 01907-1701
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042596-81
Date	Mar 3, 2025
Book Page	42596/81
Instrument	20250303000930

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	3 BEACH AVE, SWAMPSCOTT, MA 01907-1701
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38630-229
Date	Jun 19, 2020
Book Page	38630/229
Instrument	20200619004750

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

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

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	$8,060.00 (+7.8%)	$671,700 (+3.04%) Land $242,700 Building $429,000	$858,122 (+34.08%)
2025	$7,477.00 (+24.22%)	$651,900 (+27.15%) Land $242,700 Building $409,200	$640,015
2023	$6,019.00	$512,700 Land $214,000 Building $298,700

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
Flood Insurance Cost	Premium on Record median of 17 policies
Nearby Flood Policies	17 in force

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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