94 Roy St, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 94 Roy St, Swampscott, MA 01907

Property Summary

Property Type	Condominium
Details	3 bd · 1.5 ba · 950 sqft · built 1905
Lot Size	0.127 acres (5,541 sqft)
Owner	2 Individual Names on File
Last Sale	$455,000 (Jun 2022)
Tax Bill	$5,653 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0007 B:0091 L:94`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0007 B:0091 L:94`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	950 sqft Living Area
Gross Area	1,420 sqft
Basement Area	470 sqft
Unfinished Basement	470 sqft

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Condo/Apartment
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,541 sqft (0.127 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	94 ROY ST
City	SWAMPSCOTT
State	MA
Zip	01907-1073
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	A3
Legal Block	91
Legal Lot Number	94
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	1
Census Block	1002
Census Tract	202103

Owner

94 Roy St, a condominium, is owned and occupied by two individuals who bought it in June 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	94 ROY ST, SWAMPSCOTT, MA 01907-1073
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 24, 2022	Condominium Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC
Mar 15, 2019	Condominium Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2022 · Amount on File
Deed Sale	Jun 24, 2022 · Amount on File
Prior Sale	Mar 15, 2019 · Amount on File
Deed Document Number	20223970
Deed Book / Page	41025 / 16
Record Updated	Oct 29, 2026

June 2022: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Jun 24, 2022
Property Address	94 ROY ST, SWAMPSCOTT, MA 01907-1073
Document Number	0041025-16
Book / Page	41025 / 16
Instrument Date	Jun 24, 2022
Instrument	20220624003970
Transaction Type	Transfer
Record Updated	Jul 15, 2022

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	94 ROY ST, SWAMPSCOTT, MA 01907-1073

Mortgage

Document Number	220624003980
Date	Jun 24, 2022
Instrument	220624003980

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

March 2019: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	Mar 15, 2019
Property Address	94 ROY ST, SWAMPSCOTT, MA 01907-1073
Document Number	37383-354
Book / Page	037383 / 000354
Instrument Date	Mar 13, 2019
Instrument	1903152530
Transaction Type	Transfer
Record Updated	Apr 2, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,390.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	94 ROY ST SWAMPSCOTT MA 019071073, SWAMPSCOTT, MA 01907-1073

Mortgage

Document Number	37383-357
Date	Mar 15, 2019
Book Page	037383/000357
Instrument	1903152540

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 14, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 94 Roy St was $5,653, up 4.6% 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	$5,653.00 (+4.61%)	$471,100 (-) Building $471,100	$436,017 (-10.6%)
2025	$5,404.00	$471,100 Building $471,100	$487,730
2023	$4,554.00	$387,900 Building $387,900

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

Flood

FEMA maps place 94 Roy St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 94 Roy St is low, with less than a 0.01% annual chance of 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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