31 Spinale Rd, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 31 Spinale Rd, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,547 sqft · built 1950
Lot Size	0.632 acres (27,547 sqft)
Owner	2 Individual Names on Record
Last Sale	$650,000 (Jan 2021)
Tax Bill	$9,697 (2026)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Oct 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0006 B:0238 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0006 B:0238 L:0`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,547 sqft Living Area
Gross Area	3,241 sqft
Basement Area	884 sqft
Unfinished Basement	884 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,547 sqft (0.632 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	31 SPINALE RD
City	SWAMPSCOTT
State	MA
Zip	01907-1728
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A3
Legal Subdivision	ESTATE FRANCESCA SPINALE
Legal Block	238
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	1
Census Block	1019
Census Tract	202103

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	31 SPINALE RD, SWAMPSCOTT, MA 01907-1728
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA
Oct 28, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2021 · Amount on Record
Deed Sale	Jan 27, 2021 · Amount on Record
Prior Sale	Jun 30, 2005 · Amount on Record
Deed Book / Page	39460 / 217
Prior Transfer Date	Jan 22, 2021
Prior Transfer Doc	3946000217
Record Updated	Oct 29, 2026

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Jan 27, 2021
Property Address	31 SPINALE RD, SWAMPSCOTT, MA 01907-1728
Document Number	039460-217
Book / Page	39460 / 217
Instrument Date	Jan 22, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

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	Joint Tenants
Address	31 SPINALE RD, SWAMPSCOTT, MA 01907-1728

Mortgage

Document Number	0039460220
Date	Jan 27, 2021
Instrument	39460/220

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	31 SPINALE RD, SWAMPSCOTT, MA 01907-1728
Document Number	38023-384
Instrument Date	Oct 28, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 SPINALE RD SWAMPSCOTT MA 019071728, SWAMPSCOTT, MA 01907-1728

Mortgage

Document Number	38023-384
Date	Nov 14, 2019
Book Page	038023/000384
Instrument	1114000140

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$9,697.00 (+8.37%)	$808,100 (+3.59%) Land $457,600 Building $350,500	$699,593 (-14.47%)
2025	$8,948.00 (+9.03%)	$780,100 (+11.59%) Land $457,600 Building $322,500	$817,950
2023	$8,207.00	$699,100 Land $403,500 Building $295,600

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
Nearby Flood Policies	1 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 744 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

May also be available: T-Mobile.

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