97 Beach Bluff Ave, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 97 Beach Bluff Ave, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 3,012 sqft · built 1880
Lot Size	0.352 acres (15,351 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,250,000 (May 2022)
Tax Bill	$15,486 (2025)
Deeds & Mortgages	Mar 2023 Refinance May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0031 B:0018 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0031 B:0018 L:0`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	3 Stories
Building Area	3,012 sqft Living Area
Gross Area	5,313 sqft
Basement Area	1,061 sqft
Unfinished Basement	1,061 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	15,351 sqft (0.352 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	97 BEACH BLUFF AVE
City	SWAMPSCOTT
State	MA
Zip	01907-1535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Subdivision	BEACH BLUFF
Legal Block	18
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	5
Census Block	5010
Census Tract	202200

Owner

Source: Essex County and Swampscott Town records, as of July 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	97 BEACH BLUFF AVE, SWAMPSCOTT, MA 01907-1535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONAL GRAND BANK OF MARBLEHEAD
May 26, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NATIONAL GRAND BANK OF MARBLEHEAD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2022 · Amount on Record
Deed Sale	May 26, 2022 · Amount on Record
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	97 BEACH BLUFF AVE, SWAMPSCOTT, MA 01907-1535
Transaction Type	Mortgage
Record Updated	Mar 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041463-357
Date	Mar 6, 2023
Book Page	41463/357
Instrument	20230306000140

Lender

Name	NATIONAL GRAND BANK OF MARBLEHEAD
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SWAMPSCOTT MA
Recording Date	May 26, 2022
Property Address	97 BEACH BLUFF AVE, SWAMPSCOTT, MA 01907-1535
Document Number	040959-282
Book / Page	40959 / 282
Instrument Date	May 26, 2022
Instrument	20220526000500
Transaction Type	Transfer
Record Updated	Jun 10, 2022

Transaction

Amount	Amount Recorded
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	97 BEACH BLUFF AVE, SWAMPSCOTT, MA 01907-1535

Mortgage

Document Number	220526000510
Date	May 26, 2022
Instrument	220526000510

Lender

Name	NATIONAL GRAND BANK OF MARBLEHEAD
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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
2025	$15,486.00 (+25.63%)	$1,350,100 (+28.58%) Land $486,800 Building $863,300	$1,471,550
2023	$12,327.00	$1,050,000 Land $415,600 Building $634,400

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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