7 Commonwealth Ter, #2, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 7 Commonwealth Ter, #2, Swampscott, MA 01907

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,647 sqft · built 1930
Lot Size	0.083 acres (3,644 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,084 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`SWAM M:0021 B:0051 L:2`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0021 B:0051 L:2`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	1,647 sqft Living Area
Gross Area	1,877 sqft
Basement Area	230 sqft
Unfinished Basement	230 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	3,644 sqft
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	7 COMMONWEALTH TER, 2
City	SWAMPSCOTT
State	MA
Zip	01907-2616
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	A3
Legal Block	51
Legal Lot Number	2
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	2
Census Block	2000
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 Individual Names on Record
Mailing Address	7 COMMONWEALTH TER, 2, SWAMPSCOTT, MA 01907-2616
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage EASTERN BK
Sep 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage SANTANDER BK NA
Mar 27, 2018	Deed of Trust, Mortgage LEADER BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	7 COMMONWEALTH TER # 2, 2, SWAMPSCOTT, MA 01907-2616
Document Number	0000616248
Instrument Date	Sep 14, 2020
Transaction Type	Mortgage
Record Updated	Oct 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 COMMONWEALTH TER #2 SWAMPSCOTT MA 019072616, 2, SWAMPSCOTT, MA 01907-2616

Mortgage

Document Number	0000616248
Date	Sep 15, 2020
Instrument	616248

Lender

Name	EASTERN BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 14, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	7 COMMONWEALTH TER # 2, 2, SWAMPSCOTT, MA 01907-2616
Document Number	0000605522
Instrument Date	Sep 12, 2019
Transaction Type	Mortgage
Record Updated	Oct 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 COMMONWEALTH TER #2 SWAMPSCOTT MA 019072616, 2, SWAMPSCOTT, MA 01907-2616

Mortgage

Document Number	0000605522
Date	Sep 18, 2019
Instrument	605522

Lender

Name	SANTANDER BK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2049

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	7 COMMONWEALTH TER # 2, 2, SWAMPSCOTT, MA 01907-2616
Document Number	0000591414
Instrument Date	Mar 27, 2018
Transaction Type	Mortgage
Record Updated	May 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000591414
Date	Mar 27, 2018
Instrument	591414

Lender

Name	LEADER BK NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2048

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	$8,084.00 (+8.41%)	$673,700 (+3.63%) Building $673,700	$722,972 (-11.46%)
2025	$7,457.00 (+10.87%)	$650,100 (+13.48%) Building $650,100	$816,525
2023	$6,726.00	$572,900 Building $572,900

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	15.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 90 individual policies
Nearby Flood Policies	154 units insured incl. 64 condo units
Nearby Flood Claims	122 (1978–2025)
Claims Outside the SFHA	68 of 122
Most Recent Claim	Sep 2025
Claims by Event	Severe Winter Storm And Flooding, Mar 2018 · 12 claims Coastal Storm, Oct 1991 · 23 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 15 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 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.

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