Essex County and Swampscott Town property record for 38 Phillips Ave, Swampscott, MA 01907
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,758 sqft · built 1945 |
| Lot Size | 0.549 acres (23,919 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,401,000 (Feb 2022) |
| Tax Bill | $15,806 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Feb 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | SWAM M:0029 B:0033 L:0 |
| Primary APN | SWAM M:0029 B:0033 L:0 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,758 sqft Living Area |
| Gross Area | 6,970 sqft |
| Basement Area | 2,341 sqft |
| Unfinished Basement | 1,829 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 23,919 sqft (0.549 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 38 PHILLIPS AVE |
|---|---|
| City | SWAMPSCOTT |
| State | MA |
| Zip | 01907-2436 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A1 |
| Legal Block | 33 |
| Jurisdiction | SWAMPSCOTT MA |
| Township / Civil Division | SWAMPSCOTT |
| Census Block Group | 5 |
| Census Block | 5012 |
| Census Tract | 202200 |
Source: Essex County and Swampscott Town records · APN SWAM M:0029 B:0033 L:0
Assessment roll updated April 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 102 WEBSTER ST, EAST BOSTON, MA 02128-2973 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 07, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Feb 28, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 28, 2022 · Amount on Record |
| Deed Sale | Feb 28, 2022 · Amount on Record |
| Prior Sale | Mar 07, 1994 · Amount on Record |
| Transfer Doc | 30389-196 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SWAMPSCOTT MA |
| Recording Date | Jul 07, 2026 |
| Property Address | 38 PHILLIPS AVE, SWAMPSCOTT, MA 01907-2436 |
| Document Number | 0000000480 |
| Book / Page | 43490 / 180 |
| Instrument Date | Jun 29, 2026 |
| Instrument | 2026480 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 38 PHILLIPS AVE, SWAMPSCOTT, MA 01907-2436 |
| Document Number | 0000000480, |
|---|---|
| Date | Jul 07, 2026 |
| Book Page | 43490/180 |
| Instrument | 2026480 |
| Name | BANK OF AMERICA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SWAMPSCOTT MA |
| Recording Date | Feb 28, 2022 |
| Property Address | 38 PHILLIPS AVE, SWAMPSCOTT, MA 01907-2436 |
| Document Number | 040755-282 |
| Book / Page | 40755 / 282 |
| Instrument Date | Feb 28, 2022 |
| Instrument | 20220228003130 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 102 WEBSTER ST, BOSTON, MA 02128-2973 |
| Document Number | 220228003140 |
|---|---|
| Date | Feb 28, 2022 |
| Instrument | 220228003140 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Essex County and Swampscott Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Swampscott Town |
| Unified School District | Swampscott School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $15,806.00 (+15.72%) | $1,378,000 (+18.44%) Land $609,800 Building $768,200 | $1,601,415 |
| 2023 | $13,659.00 | $1,163,500 Land $520,500 Building $643,000 |
Source: FEMA National Flood Hazard Layer as of July 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 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 |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 2,000 |
May also be available: T-Mobile USA.
Based on FCC filings for 374 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SWAMPSCOTT WATER DEPT. (MWRA) serves 15,300 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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