85 Phillips Beach Ave, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 85 Phillips Beach Ave, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,376 sqft · built 1953
Lot Size	0.462 acres (20,112 sqft)
Owner	2 Company Names on Record
Last Sale	$1,400,000 (Oct 2014)
Tax Bill	$28,080 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Jun 2022 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0030 B:0021 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0030 B:0021 L:0`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,376 sqft Living Area
Gross Area	7,698 sqft
Basement Area	2,274 sqft
Unfinished Basement	2,274 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,112 sqft (0.462 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	85 PHILLIPS BEACH AVE
City	SWAMPSCOTT
State	MA
Zip	01907-2444
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Subdivision	NORWOOD AVE
Legal Block	21
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	6
Census Block	6010
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 Company Names on Record
Mailing Address	85 PHILLIPS BEACH AVE, SWAMPSCOTT, MA 01907-2444
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage HOMETOWN EQUITY MORTGAGE
Jun 16, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONAL GRAND BANK OF MARBLEHEAD
Apr 6, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance FOUNTAINHEAD SBF LLC
Sep 13, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Feb 6, 2026	Quit Claim Deed, Transfer Quitclaim
Sep 13, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2014 · Amount on Record
Deed Sale	Oct 29, 2014 · Amount on Record
Prior Sale	Jul 26, 2004 · Amount on Record
Deed Book / Page	33637 / 446
Last Transfer Date	Feb 6, 2026
Transfer Doc	0043214-84
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Recording Date	Aug 28, 2026
Property Address	85 PHILLIPS BEACH AVE, SWAMPSCOTT, MA 01907-2444
Document Number	0000003540
Book / Page	43598 / 219
Instrument Date	Aug 24, 2026
Instrument	20263540
Transaction Type	Mortgage
Record Updated	Sep 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003540,
Date	Aug 28, 2026
Book Page	43598/219
Instrument	20263540

Lender

Name	HOMETOWN EQUITY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	85 PHILLIPS BEACH AVE, SWAMPSCOTT, MA 01907-2444
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041005-159
Date	Jun 16, 2022
Book Page	41005/159
Instrument	20220616001570

Lender

Name	NATIONAL GRAND BANK OF MARBLEHEAD
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	85 PHILLIPS BEACH AVE, SWAMPSCOTT, MA 01907-2444
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041508-259
Date	Apr 6, 2023
Book Page	41508/259
Instrument	20230406000320

Lender

Name	FOUNTAINHEAD SBF LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	85 PHILLIPS BEACH AVE, SWAMPSCOTT, MA 01907-2444
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040268-328
Date	Sep 13, 2021
Book Page	40268/328
Instrument	20210913000590

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2046

Interest

Rate Type	Adjustable Rate

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Feb 6, 2026
Property Address	85 PHILLIPS BEACH AVE, SWAMPSCOTT, MA 01907-2444
Document Number	0043214-84
Book / Page	43214 / 84
Instrument Date	Feb 6, 2026
Instrument	20260206000860
Transaction Type	Transfer
Record Updated	Feb 25, 2026

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	85 PHILLIPS BEACH AVE, SWAMPSCOTT, MA 01907-2444

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	85 PHILLIPS BEACH AVE, SWAMPSCOTT, MA 01907-2444
Transaction Type	Mortgage
Record Updated	Oct 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40268-328
Date	Sep 13, 2021
Book Page	40268/328
Instrument	20210913000590

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2046

Interest

Rate Type	Adjustable Rate

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	$28,080.00 (+9.42%)	$2,340,000 (+4.59%) Land $677,000 Building $1,663,000	$2,383,830 (-2.74%)
2025	$25,662.00 (+21.02%)	$2,237,300 (+23.87%) Land $649,900 Building $1,587,400	$2,451,095
2023	$21,204.00	$1,806,100 Land $568,700 Building $1,237,400

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 48 policies
Nearby Flood Policies	48 in force
Nearby Flood Claims	21 (1979–2024)
Claims Outside the SFHA	5 of 21
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Severe Winter Storm And Flooding, Mar 2018 · 4 claims Severe Winter Storm, Snowstorm, And Flooding, Feb 2013 · 2 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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