75 Roy St, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 75 Roy St, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,380 sqft · built 1900
Lot Size	0.075 acres (3,250 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Jun 2017)
Tax Bill	$7,469 (2026)
Deeds & Mortgages	Jul 2020 Refinance Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0007 B:101A L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0007 B:101A L:0`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,380 sqft Living Area
Gross Area	2,663 sqft
Basement Area	453 sqft
Unfinished Basement	453 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,250 sqft (0.075 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	75 ROY ST
City	SWAMPSCOTT
State	MA
Zip	01907-1053
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B1
Legal Block	101A
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	1
Census Block	1015
Census Tract	202103

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	75 ROY ST, SWAMPSCOTT, MA 01907-1053
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LENDUS LLC
Jun 30, 2017	Quit Claim Deed, Transfer · Conventional Mortgage LEND USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2017 · Amount on Record
Deed Sale	Jun 30, 2017 · Amount on Record
Deed Book / Page	35991 / 240
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	75 ROY ST, SWAMPSCOTT, MA 01907-1053
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE (AKA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38675-237
Date	Jul 1, 2020
Book Page	38675/237
Instrument	20200701006450

Lender

Name	LENDUS LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Jun 30, 2017
Property Address	75 ROY ST, SWAMPSCOTT, MA 01907-1053
Document Number	35991-240
Book / Page	035991 / 000240
Instrument Date	Jun 30, 2017
Instrument	1706300880
Transaction Type	Transfer
Record Updated	Jul 18, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,459.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	75 ROY ST SWAMPSCOTT MA 019071053, SWAMPSCOTT, MA 01907-1053

Mortgage

Document Number	35991-245
Date	Jun 30, 2017
Book Page	035991/000245
Instrument	1706300881

Lender

Name	LEND USA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 29, 2047

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	$7,469.00 (+7.54%)	$622,400 (+2.79%) Land $216,500 Building $405,900	$620,062 (+31.43%)
2025	$6,945.00 (+10.45%)	$605,500 (+13.05%) Land $216,500 Building $389,000	$471,770
2023	$6,288.00	$535,600 Land $190,900 Building $344,700

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	1 in force

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	Low lower than 99.1% of the US · lower than 98.7% 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 744 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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