35 Ocean Ave, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 35 Ocean Ave, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	6 bd · 3.5 ba · 6,473 sqft · built 1930
Lot Size	0.493 acres (21,462 sqft)
Owner	2 Individual Names on File
Last Sale	$634,500 (May 1997)
Tax Bill	$23,071 (2026)
Deeds & Mortgages	Feb 2026 Line of Credit Nov 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0029 B:0020 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0029 B:0020 L:0`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	3 Stories
Building Area	6,473 sqft Living Area
Gross Area	9,569 sqft
Basement Area	1,741 sqft
Unfinished Basement	1,741 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Colonial
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,462 sqft (0.493 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	35 OCEAN AVE
City	SWAMPSCOTT
State	MA
Zip	01907-2302
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Block	20
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	5
Census Block	5016
Census Tract	202200

Owner

35 Ocean Ave is owned and occupied by two individuals who bought it in May 1997.

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

Owner of Record	2 Individual Names on File
Mailing Address	35 OCEAN AVE, SWAMPSCOTT, MA 01907-2302
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2026	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Nov 2, 2020	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Jan 22, 2021	Deed of Trust, Mortgage · ARM JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 1997 · Amount on File
Deed Sale	May 15, 1997 · Amount on File
Prior Sale	Oct 28, 1993 · Amount on File
Deed Book / Page	14107 / 464
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	35 OCEAN AVE, SWAMPSCOTT, MA 01907-2302
Transaction Type	Mortgage
Record Updated	Feb 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	043209-506
Date	Feb 4, 2026
Book Page	43209/506
Instrument	20260204000040

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	35 OCEAN AVE, SWAMPSCOTT, MA 01907-2302
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39131-589
Date	Nov 2, 2020
Book Page	39131/589
Instrument	20201102004700

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	35 OCEAN AVE, SWAMPSCOTT, MA 01907-2302
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39440-278
Date	Jan 22, 2021
Book Page	39440/278
Instrument	20210122001070

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	349 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Oct 1, 2030
Index	LIBOR

Tax Assessment & Valuation

The 2026 property tax bill for 35 Ocean Ave was $23,071, up 11.1% from the year before.

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	$23,071.00 (+11.06%)	$1,922,600 (+6.15%) Land $630,500 Building $1,292,100	$2,436,703 (+31.71%)
2025	$20,774.00	$1,811,200 Land $574,500 Building $1,236,700	$1,850,030
2023	$18,904.00	$1,610,200 Land $490,400 Building $1,119,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 35 Ocean Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1991.

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 33 individual policies
Nearby Flood Policies	35 units insured incl. 2 condo units
Nearby Flood Claims	4 (1991–2024)
Most Recent Claim	Jan 2024 · tidal / storm surge

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

The area around 35 Ocean Ave 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.

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 374 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 / 2,000

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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