69 Orchard Rd, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 69 Orchard Rd, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,084 sqft · built 1925
Lot Size	0.245 acres (10,685 sqft)
Owner	2 Trust Names on Record
Last Sale	$480,000 (Apr 2016)
Tax Bill	$11,602 (2026)
Deeds & Mortgages	Feb 2022 Refinance Mar 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0022 B:0040 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0022 B:0040 L:0`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,084 sqft Living Area
Gross Area	3,714 sqft
Basement Area	947 sqft
Unfinished Basement	947 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,685 sqft (0.245 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	69 ORCHARD RD
City	SWAMPSCOTT
State	MA
Zip	01907-2349
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Subdivision	ORCHARD
Legal Block	40
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	4
Census Block	4005
Census Tract	202200

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	69 ORCHARD RD, SWAMPSCOTT, MA 01907-2349
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Mar 29, 2022	Deed of Trust, Mortgage · Line of Credit MERRIMACK VALLEY FCU
Feb 1, 2017	Deed of Trust, Mortgage · Closed-End Mortgage MERRIMACK VALLEY FCU
Jul 31, 2020	Deed of Trust, Mortgage · Balloon Mortgage MERRIMACK VALLEY FCU
May 11, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Oct 14, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2016 · Amount on Record
Deed Sale	Apr 28, 2016 · Amount on Record
Deed Book / Page	34876 / 536
Last Transfer Date	Oct 9, 2020
Transfer Doc	39052-125
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	69 ORCHARD RD, SWAMPSCOTT, MA 01907-2349
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040721-243
Date	Feb 11, 2022
Book Page	40721/243
Instrument	20220211004490

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

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

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	69 ORCHARD RD, SWAMPSCOTT, MA 01907-2349
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00040823-2
Date	Mar 29, 2022
Book Page	40823/2
Instrument	20220329002030

Lender

Name	MERRIMACK VALLEY FCU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	69 ORCHARD RD, SWAMPSCOTT, MA 01907-2349
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35654-364
Date	Feb 1, 2017
Book Page	35654/364
Instrument	115

Lender

Name	MERRIMACK VALLEY FCU
Type	Credit Union

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 1, 2037

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	69 ORCHARD RD, SWAMPSCOTT, MA 01907-2349
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38775-38
Date	Jul 31, 2020
Book Page	38775/38
Instrument	20200731005650

Lender

Name	MERRIMACK VALLEY FCU
Type	Credit Union

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2045

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	69 ORCHARD RD, SWAMPSCOTT, MA 01907-2349
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38503-220
Date	May 11, 2020
Book Page	38503/220
Instrument	20200511002810

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2040

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Oct 14, 2020
Property Address	69 ORCHARD RD, SWAMPSCOTT, MA 01907-2349
Document Number	39052-125
Book / Page	039052 / 000125
Instrument Date	Oct 9, 2020
Instrument	14002170
Transaction Type	Transfer
Record Updated	Nov 3, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	69 ORCHARD RD SWAMPSCOTT MA 019072349, SWAMPSCOTT, MA 01907-2349

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	$11,602.00 (+13.01%)	$966,800 (+8.02%) Land $419,800 Building $547,000	$1,030,610 (+28.78%)
2025	$10,266.00 (+23.24%)	$895,000 (+26.15%) Land $419,800 Building $475,200	$800,280
2023	$8,330.00	$709,500 Land $358,400 Building $351,100

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
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

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 374 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 / 2,000

May also be available: T-Mobile.

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