838 Humphrey St, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 838 Humphrey St, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,440 sqft · built 1905
Lot Size	0.163 acres (7,079 sqft)
Owner	Individual Name on File
Last Sale	$825,000 (Jun 2026)
Tax Bill	$9,052 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Dec 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0022 B:0019 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0022 B:0019 L:0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,440 sqft Living Area
Gross Area	2,417 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,079 sqft (0.163 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	838 HUMPHREY ST
City	SWAMPSCOTT
State	MA
Zip	01907-2339
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N/A
Legal Block	19
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	4
Census Block	4006
Census Tract	202200

Owner

838 Humphrey St is owned and occupied by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	838 HUMPHREY ST, SWAMPSCOTT, MA 01907-2339
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jun 1, 2026	Quit Claim Deed, Transfer · Conventional Mortgage CROSSCOUNTY MORTGAGE INC
Dec 8, 2025	Quit Claim Deed, Transfer Quitclaim
Jul 31, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2026 · Amount on File
Deed Sale	Jun 1, 2026 · Amount on File
Prior Sale	Feb 5, 2008 · Amount on File
Deed Document Number	20262540
Deed Book / Page	43418 / 109
Prior Transfer Date	Nov 7, 2025
Prior Transfer Doc	043115-323
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Jun 1, 2026
Property Address	838 HUMPHREY ST, SWAMPSCOTT, MA 01907-2339
Document Number	043418-109
Book / Page	43418 / 109
Instrument Date	May 27, 2026
Instrument	20262540
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	838 HUMPHREY ST, SWAMPSCOTT, MA 01907-2339

Mortgage

Date	Jun 1, 2026

Lender

Name	CROSSCOUNTY MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.3%
Max Rate	-1%

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Dec 8, 2025
Property Address	838 HUMPHREY ST, SWAMPSCOTT, MA 01907-2339
Document Number	043115-323
Book / Page	43115 / 323
Instrument Date	Nov 7, 2025
Instrument	20251208003450
Transaction Type	Transfer
Record Updated	Dec 31, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	838 HUMPHREY ST, SWAMPSCOTT, MA 01907-2339

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	838 HUMPHREY ST, SWAMPSCOTT, MA 01907-2339
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38770-351
Date	Jul 31, 2020
Book Page	38770/351
Instrument	20200731000730

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 838 Humphrey St was $9,052, 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	$9,052.00 (+7.56%)	$754,300 (+2.81%) Land $300,800 Building $453,500	$799,223 (-5.58%)
2025	$8,416.00	$733,700 Land $300,800 Building $432,900	$846,450
2023	$7,685.00	$654,600 Land $269,300 Building $385,300

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

Flood

FEMA maps place 838 Humphrey St in Zone X, an area of minimal flood risk, though there have been 122 flood claims nearby since 1978.

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

The area around 838 Humphrey St 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 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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