654 Humphrey St, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 654 Humphrey St, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,067 sqft · built 1890
Lot Size	0.075 acres (3,271 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (May 2019)
Tax Bill	$6,450 (2026)
Deeds & Mortgages	Dec 2017 Line of Credit May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0023 B:0014 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0023 B:0014 L:0`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,067 sqft Living Area
Gross Area	2,201 sqft
Basement Area	842 sqft
Unfinished Basement	842 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Other
Exterior Material	Shingles
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,271 sqft (0.075 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	654 HUMPHREY ST
City	SWAMPSCOTT
State	MA
Zip	01907-2638
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A4
Legal Block	14
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	4
Census Block	4010
Census Tract	202200

Owner

654 Humphrey St is owned by two individuals who bought it in May 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	12 LONGWOOD DR, SWAMPSCOTT, MA 01907-2940
Owner Type	Individual
Vesting	Husband and Wife

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
Dec 26, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
May 1, 2019	Quit Claim Deed, Transfer · Conventional Mortgage CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2019 · Amount on File
Deed Sale	May 1, 2019 · Amount on File
Deed Document Number	20193960
Prior Transfer Date	Apr 27, 2019
Prior Transfer Doc	37482-392
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	654 HUMPHREY ST, SWAMPSCOTT, MA 01907-2638
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36432-284
Date	Dec 26, 2017
Book Page	36432/284
Instrument	218

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	May 1, 2019
Property Address	654 HUMPHREY ST, SWAMPSCOTT, MA 01907-2638
Document Number	37482-392
Book / Page	037482 / 000392
Instrument Date	Apr 27, 2019
Instrument	1003960
Transaction Type	Transfer
Record Updated	May 21, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,482.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	654 HUMPHREY ST SWAMPSCOTT MA 019072638, SWAMPSCOTT, MA 01907-2638

Mortgage

Document Number	37482-396
Date	May 1, 2019
Book Page	037482/000396
Instrument	1003970

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 30, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 654 Humphrey St was $6,450, up 7.6% 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	$6,450.00 (+7.55%)	$537,500 (+2.81%) Land $216,700 Building $320,800	$646,849 (+37.8%)
2025	$5,997.00	$522,800 Land $216,700 Building $306,100	$469,395
2023	$5,478.00	$466,600 Land $191,100 Building $275,500

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

Flood

FEMA maps place 654 Humphrey St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	122 (1978–2018)
Claims Outside the SFHA	23 of 122
Most Recent Claim	Mar 2018 · Severe Winter Storm And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 12 claims Coastal Storm, Oct 1991 · 21 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 5 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 654 Humphrey St 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 98% of the US · lower than 96% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 407 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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