78 Phillips Ave, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 78 Phillips Ave, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 4,219 sqft · built 1925
Lot Size	0.579 acres (25,226 sqft)
Owner	2 Individual Names on File
Last Sale	$1,400,000 (Aug 2004)
Tax Bill	$28,289 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0028 B:0027 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0028 B:0027 L:0`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	3 Half Baths
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	4,219 sqft Living Area
Gross Area	9,029 sqft
Basement Area	2,272 sqft
Unfinished Basement	2,272 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	25,226 sqft (0.579 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	78 PHILLIPS AVE
City	SWAMPSCOTT
State	MA
Zip	01907-2435
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Subdivision	MM READ
Legal Block	27
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	5
Census Block	5012
Census Tract	202200

Owner

78 Phillips Ave is owned and occupied by two individuals who bought it in August 2004.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	78 PHILLIPS AVE, SWAMPSCOTT, MA 01907-2435
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Aug 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2004 · Amount on File
Deed Sale	Aug 30, 2004 · Amount on File
Prior Sale	Sep 6, 1994 · Amount on File
Deed Book / Page	23321 / 100
Transfer Doc	28757-349
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Recording Date	Jul 28, 2026
Property Address	78 PHILLIPS AVE, SWAMPSCOTT, MA 01907-2435
Document Number	0000001540
Book / Page	43533 / 11
Instrument Date	Jun 18, 2026
Instrument	20261540
Transaction Type	Mortgage
Record Updated	Aug 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 PHILLIPS AVE, SWAMPSCOTT, MA 01907-2435

Mortgage

Document Number	0000001540,
Date	Jul 28, 2026
Book Page	43533/11
Instrument	20261540

Lender

Name	EASTERN BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.51%
Initial Type	Adjustable Rate
Max Rate	-1%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	78 PHILLIPS AVE, SWAMPSCOTT, MA 01907-2435
Document Number	36157-423
Instrument Date	Aug 30, 2017
Transaction Type	Mortgage
Record Updated	Mar 5, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	36157-423
Date	Sep 6, 2017
Book Page	036157/000423
Instrument	1709060250

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 5, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%

Tax Assessment & Valuation

The 2026 property tax bill for 78 Phillips Ave was $28,289, up 13.3% 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	$28,289.00 (+13.34%)	$2,357,400 (+8.34%) Land $689,800 Building $1,667,600	$2,323,756 (+21.65%)
2025	$24,959.00	$2,176,000 Land $628,500 Building $1,547,500	$1,910,165
2023	$22,112.00	$1,883,500 Land $536,500 Building $1,347,000

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

Flood

FEMA maps place 78 Phillips Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1991.

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 File median of 33 individual policies
Nearby Flood Policies	35 units insured incl. 2 condo units
Nearby Flood Claims	4 (1991–2024)
Most Recent Claim	Jan 2024 · tidal / storm surge

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

The area around 78 Phillips Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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 329 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 / 250

May also be available: T-Mobile.

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