36 Prospect Ave, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 36 Prospect Ave, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,440 sqft · built 1964
Lot Size	0.158 acres (6,869 sqft)
Owner	Individual Name on File
Last Sale	$500,000 (Jan 2019)
Tax Bill	$8,578 (2026)
Deeds & Mortgages	Feb 2021 Refinance Jan 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0020 B:0031 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0020 B:0031 L:0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,440 sqft Living Area
Gross Area	2,014 sqft
Basement Area	576 sqft
Unfinished Basement	288 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,869 sqft (0.158 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	36 PROSPECT AVE
City	SWAMPSCOTT
State	MA
Zip	01907-2236
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Block	31
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	3
Census Block	3013
Census Tract	202200

Owner

36 Prospect Ave is owned and occupied by an individual who bought it in January 2019.

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

Owner of Record	Individual Name on File
Mailing Address	36 PROSPECT AVE, SWAMPSCOTT, MA 01907-2236
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 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
Jan 24, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage DIGITAL FCU
May 25, 2018	Quit Claim Deed, Transfer EASTERN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2019 · Amount on File
Deed Sale	Jan 24, 2019 · Amount on File
Prior Sale	May 25, 2018 · Amount on File
Deed Book / Page	37290 / 210
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	36 PROSPECT AVE, SWAMPSCOTT, MA 01907-2236
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039484-167
Date	Feb 2, 2021
Book Page	39484/167
Instrument	20210202001000

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Jan 24, 2019
Property Address	36 PROSPECT AVE, SWAMPSCOTT, MA 01907-2236
Document Number	37290-210
Book / Page	37290 / 210
Instrument Date	Jan 24, 2019
Instrument	20190124001360
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
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
Address	36 PROSPECT AVE, SWAMPSCOTT, MA 01907-2236

Mortgage

Document Number	190124001370
Date	Jan 24, 2019
Instrument	190124001370

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	May 25, 2018
Property Address	36 PROSPECT AVE, SWAMPSCOTT, MA 01907-2236
Document Number	36740-404
Book / Page	36740 / 404
Instrument	180525002810
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$65.92
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36 PROSPECT AVE, SWAMPSCOTT, MA 01907-2236

Mortgage

Document Number	367400406
Date	May 25, 2018
Instrument	36740/0406

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 25, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 36 Prospect Ave was $8,578, up 5.3% 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	$8,578.00 (+5.33%)	$714,800 (+0.68%) Land $365,100 Building $349,700	$823,657 (+26.83%)
2025	$8,144.00	$710,000 Land $365,100 Building $344,900	$649,420
2023	$7,265.00	$618,800 Land $311,600 Building $307,200

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

Flood

FEMA maps place 36 Prospect Ave in Zone X, an area of minimal flood risk, though there have been 70 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	4 in force
Nearby Flood Claims	70 (1978–2022)
Claims Outside the SFHA	32 of 70
Most Recent Claim	Dec 2022 · tidal / storm surge
Claims by Event	Winter Coastal Storm, Dec 1992 · 7 claims Coastal Storm, Oct 1991 · 15 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 11 claims

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 36 Prospect 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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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