Essex County and Swampscott Town property record for 4 Phillips Ter, Swampscott, MA 01907
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,152 sqft · built 1929 |
| Lot Size | 0.203 acres (8,838 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $505,000 (May 2013) |
| Tax Bill | $12,553 (2026) |
| Deeds & Mortgages | Jul 2025 Line of Credit Feb 2023 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SWAM M:0028 B:0118 L:0 |
| Primary APN | SWAM M:0028 B:0118 L:0 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 3,152 sqft Living Area |
| Gross Area | 5,853 sqft |
| Basement Area | 1,190 sqft |
| Unfinished Basement | 1,190 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1929 |
|---|---|
| Effective Year Built | Effective 1929 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,838 sqft (0.203 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 4 PHILLIPS TER |
|---|---|
| City | SWAMPSCOTT |
| State | MA |
| Zip | 01907-1531 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-2 |
| Legal Block | 118 |
| Jurisdiction | SWAMPSCOTT MA |
| Township / Civil Division | SWAMPSCOTT |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 202200 |
4 Phillips Ter is owned and occupied by two individuals who bought it in May 2013.
Source: Essex County and Swampscott Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4 PHILLIPS TER, SWAMPSCOTT, MA 01907-1531 |
| 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.
| Date | Document |
|---|---|
| Jul 23, 2025 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Feb 21, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA |
| Aug 31, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance ACADEMY MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 10, 2013 · Amount on File |
| Deed Sale | May 10, 2013 · Amount on File |
| Deed Book / Page | 32456 / 31 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SWAMPSCOTT MA |
| Property Address | 4 PHILLIPS TER, SWAMPSCOTT, MA 01907-1531 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 042844-567 |
|---|---|
| Date | Jul 23, 2025 |
| Book Page | 42844/567 |
| Instrument | 20250723000540 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SWAMPSCOTT MA |
| Property Address | 4 PHILLIPS TER, SWAMPSCOTT, MA 01907-1531 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 041445-436 |
|---|---|
| Date | Feb 21, 2023 |
| Book Page | 41445/436 |
| Instrument | 20230221002310 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SWAMPSCOTT MA |
| Property Address | 4 PHILLIPS TER, SWAMPSCOTT, MA 01907-1531 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38880-344 |
|---|---|
| Date | Aug 31, 2020 |
| Book Page | 38880/344 |
| Instrument | 20200831001140 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Sep 1, 2040 |
The 2026 property tax bill for 4 Phillips Ter was $12,553, up 12% from the year before.
Source: Essex County and Swampscott Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Swampscott Town |
| Unified School District | Swampscott School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $12,553.00 (+11.97%) | $1,046,100 (+7.03%) Land $431,700 Building $614,400 | $1,215,984 (+7.21%) |
| 2025 | $11,211.00 | $977,400 Land $393,300 Building $584,100 | $1,134,205 |
| 2023 | $9,867.00 | $840,500 Land $335,800 Building $504,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4 Phillips Ter in Zone X, an area of minimal flood risk, though there have been 2 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 | 2 in force |
| Nearby Flood Claims | 2 (1978–1983) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Mar 1983 · 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.
The area around 4 Phillips Ter 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 268 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 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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