45 Pine Hill Rd, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 45 Pine Hill Rd, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,676 sqft · built 1952
Lot Size	0.172 acres (7,501 sqft)
Owner	2 Trust Names on File
Last Sale	$530,000 (Jul 2013)
Tax Bill	$11,531 (2026)
Deeds & Mortgages	Jun 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0020 B:0325 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0020 B:0325 L:0`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,676 sqft Living Area
Gross Area	5,886 sqft
Basement Area	1,860 sqft
Unfinished Basement	1,860 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,501 sqft (0.172 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	45 PINE HILL RD
City	SWAMPSCOTT
State	MA
Zip	01907-2209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Subdivision	WHITNEY ESTATE
Legal Block	325
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	3
Census Block	3001
Census Tract	202200

Owner

45 Pine Hill Rd is owner-occupied and held in a trust since October 2023.

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

Owner of Record	2 Trust Names on File
Mailing Address	45 PINE HILL RD, SWAMPSCOTT, MA 01907-2209
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2013 · Amount on File
Deed Sale	Jul 22, 2013 · Amount on File
Prior Sale	Aug 2, 2005 · Amount on File
Deed Book / Page	32673 / 42
Last Transfer Date	Oct 31, 2023
Transfer Doc	042412-421
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	45 PINE HILL RD, SWAMPSCOTT, MA 01907-2209
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38590-448
Date	Jun 8, 2020
Book Page	38590/448
Instrument	20200608002480

Lender

Name	GUARANTY HOME MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2040

Tax Assessment & Valuation

The 2026 property tax bill for 45 Pine Hill Rd was $11,531, up 6.9% 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	$11,531.00 (+6.89%)	$960,900 (+2.17%) Land $374,100 Building $586,800	$1,240,769 (+24.07%)
2025	$10,788.00	$940,500 Land $374,100 Building $566,400	$1,000,065
2023	$9,486.00	$808,000 Land $319,400 Building $488,600

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

Flood

FEMA maps place 45 Pine Hill Rd 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

Wildfire risk around 45 Pine Hill Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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