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97 Phillips Ave, Swampscott, MA 01907 Property Records

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

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 4,419 sqft · built 1963
Lot Size0.539 acres (23,483 sqft)
Owner2 Trust Names on File
Last Sale$775,000 (Oct 2018)
Tax Bill$17,302 (2026)
Deeds & MortgagesOct 2020 Refinance
May 2017 Transfer
Flood ZoneZone X (minimal risk)
APNSWAM M:0032 B:0003 L:0

Property Details

APN / Parcel Number

Primary APNSWAM M:0032 B:0003 L:0

Interior

Bedrooms4 Beds
Full Baths4 Baths
Half Baths2 Half Baths
Total Rooms9 Rooms
Stories2 Stories
Building Area4,419 sqft Living Area
Gross Area9,355 sqft
Basement Area2,297 sqft
Unfinished Basement2,297 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1963
Effective Year BuiltEffective 1963
Architectural StyleContemporary
Exterior MaterialWood Siding
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area23,483 sqft (0.539 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address97 PHILLIPS AVE
CitySWAMPSCOTT
StateMA
Zip01907-1603
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeA1
Legal Block3
JurisdictionSWAMPSCOTT MA
Township / Civil DivisionSWAMPSCOTT
Census Block Group5
Census Block5014
Census Tract202200

Owner

97 Phillips Ave is owner-occupied and held in a trust since October 2018.

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

Owner of Record2 Trust Names on File
Mailing Address97 PHILLIPS AVE, SWAMPSCOTT, MA 01907-1603
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

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

DateDocument
Oct 5, 2020Deed of Trust, Mortgage · Stand-Alone Refinance
EASTERN BANK
May 1, 2017Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 18, 2018 · Amount on File
Deed SaleOct 18, 2018 · Amount on File
Prior SaleMay 1, 2017
Deed Book / Page37089 / 41
Transfer Doc0037089-41
Record UpdatedOct 29, 2026

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSWAMPSCOTT MA
Property Address97 PHILLIPS AVE, SWAMPSCOTT, MA 01907-1603
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number39018-466
DateOct 5, 2020
Book Page39018/466
Instrument20201005001660
Lender
NameEASTERN BANK
TypeBank
Agreement
TypeStand-Alone Refinance
AmountAmount on Record
Term361 Months
DueNov 1, 2050

May 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSWAMPSCOTT MA
Recording DateMay 1, 2017
Property Address97 PHILLIPS AVE, SWAMPSCOTT, MA 01907-1603
Document Number35833-486
Book / Page035833 / 000486
Instrument DateApr 15, 2017
Instrument1705010028
Transaction TypeTransfer
Record UpdatedMay 23, 2017

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address97 PHILLIPS AVE SWAMPSCOTT MA 019071603, SWAMPSCOTT, MA 01907-1603

Tax Assessment & Valuation

The 2026 property tax bill for 97 Phillips Ave was $17,302, up 1% from the year before.

Source: Essex County and Swampscott Town assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyEssex County
County SubdivisionSwampscott Town
Unified School DistrictSwampscott School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$17,302.00 (+1.03%)$1,441,800 (-3.44%) Land $662,400 Building $779,400$1,655,764 (-49.12%)
2025$17,126.00$1,493,100 Land $603,500 Building $889,600$3,254,035
2023$15,202.00$1,294,900 Land $515,200 Building $779,700

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

Flood

FEMA maps place 97 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 33 individual policies
Nearby Flood Policies35 units insured
incl. 2 condo units
Nearby Flood Claims4 (1991–2024)
Most Recent ClaimJan 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 97 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 RiskNot 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 SystemSWAMPSCOTT WATER DEPT. (MWRA)
serves 15,300 people · EPA ID MA3291000
Water SourcePurchased surface water from MWRA
Last State InspectionMar 2026
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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