65 Thomas Rd, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 65 Thomas Rd, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,415 sqft · built 1895
Lot Size	0.094 acres (4,108 sqft)
Owner	2 Trust Names on Record
Last Sale	$243,000 (Jun 1997)
Tax Bill	$11,143 (2026)
Deeds & Mortgages	Sep 2022 Line of Credit Apr 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0001 B:0079 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0001 B:0079 L:0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,415 sqft Living Area
Gross Area	4,307 sqft
Basement Area	1,137 sqft
Unfinished Basement	1,137 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,108 sqft (0.094 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	65 THOMAS RD
City	SWAMPSCOTT
State	MA
Zip	01907-1944
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Block	79
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	3
Census Block	3005
Census Tract	202101

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Olmsted Subdivision Historic District listed 2002 · 569 contributing resources · NRIS 02000696

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Trust Names on Record
Mailing Address	65 THOMAS RD, SWAMPSCOTT, MA 01907-1944
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Apr 21, 2022	Quit Claim Deed, Transfer Quitclaim
Mar 9, 2022	Quit Claim Deed, Transfer · Stand-Alone Refinance CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 1997 · Amount on Record
Deed Sale	Jun 12, 1997 · Amount on Record
Prior Sale	Oct 31, 1995 · Amount on Record
Last Transfer Date	Mar 23, 2022
Transfer Doc	0040880-25
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	65 THOMAS RD, SWAMPSCOTT, MA 01907-1944
Transaction Type	Mortgage
Record Updated	Sep 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041182-87
Date	Sep 12, 2022
Book Page	41182/87
Instrument	14

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Apr 21, 2022
Property Address	65 THOMAS RD, SWAMPSCOTT, MA 01907-1944
Document Number	0040880-25
Book / Page	40880 / 25
Instrument Date	Mar 23, 2022
Instrument	20220421002060
Transaction Type	Transfer
Record Updated	May 6, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 THOMAS RD, SWAMPSCOTT, MA 01907-1944

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Mar 9, 2022
Property Address	65 THOMAS RD, SWAMPSCOTT, MA 01907-1944
Document Number	040778-296
Book / Page	40778 / 296
Instrument Date	Mar 2, 2022
Instrument	20220309001390
Transaction Type	Transfer
Record Updated	Mar 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 THOMAS RD, SWAMPSCOTT, MA 01907-1944

Mortgage

Document Number	040778-299
Date	Mar 9, 2022
Book Page	40778/299
Instrument	20220309001400

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

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	$11,143.00 (+5.09%)	$928,600 (+0.45%) Land $325,400 Building $603,200	$1,152,699 (+27.33%)
2025	$10,603.00 (+10.54%)	$924,400 (+13.15%) Land $325,400 Building $599,000	$905,255
2023	$9,592.00	$817,000 Land $277,800 Building $539,200

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

Flood

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 Record median of 29 individual policies
Nearby Flood Policies	46 units insured incl. 17 condo units
Nearby Flood Claims	49 (1978–2024)
Claims Outside the SFHA	18 of 49
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Extreme Weather Conditons And Flooding, Oct 1996 · 8 claims Winter Coastal Storm, Dec 1992 · 4 claims Coastal Storm, Oct 1991 · 6 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

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 503 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 / 2,000

May also be available: T-Mobile.

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