98 Phillips Ave, Swampscott, MA 01907 Property Records

Essex County and Swampscott Town property record for 98 Phillips Ave, Swampscott, MA 01907

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 6,271 sqft · built 1915
Lot Size	0.769 acres (33,515 sqft)
Owner	2 Individual Names on Record
Last Sale	$722,000 (Aug 1998)
Tax Bill	$25,039 (2026)
Deeds & Mortgages	Apr 2023 Refinance Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SWAM M:0028 B:0041 L:0`

Property Details

APN / Parcel Number

Primary APN	`SWAM M:0028 B:0041 L:0`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	6,271 sqft Living Area
Gross Area	12,530 sqft
Basement Area	2,572 sqft
Unfinished Basement	2,572 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	33,515 sqft (0.769 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	98 PHILLIPS AVE
City	SWAMPSCOTT
State	MA
Zip	01907-1604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Block	41
Jurisdiction	SWAMPSCOTT MA
Township / Civil Division	SWAMPSCOTT
Census Block Group	5
Census Block	5013
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 Individual Names on Record
Mailing Address	98 PHILLIPS AVE, SWAMPSCOTT, MA 01907-1604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE CENTS SAVINGS BANK
Mar 29, 2022	Deed of Trust, Mortgage · ARM SALEM FIVE MORTGAGE CORP
Nov 20, 2017	Deed of Trust, Mortgage · ARM SALEM FIVE MTG CO
Mar 7, 2018	Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 1998 · Amount on Record
Deed Sale	Aug 31, 1998 · Amount on Record
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	98 PHILLIPS AVE, SWAMPSCOTT, MA 01907-1604
Transaction Type	Mortgage
Record Updated	Apr 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041504-446
Date	Apr 4, 2023
Book Page	41504/446
Instrument	20230404000440

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	98 PHILLIPS AVE, SWAMPSCOTT, MA 01907-1604
Transaction Type	Mortgage
Record Updated	Apr 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040823-237
Date	Mar 29, 2022
Book Page	40823/237
Instrument	20220329002650

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.63%
Type Change Date	Apr 1, 2027
Index	1-Year CMT

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	98 PHILLIPS AVE, SWAMPSCOTT, MA 01907-1604
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36344-468
Date	Nov 20, 2017
Book Page	36344/468
Instrument	171120001420

Lender

Name	SALEM FIVE MTG CO

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.99%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAMPSCOTT MA
Property Address	98 PHILLIPS AVE, SWAMPSCOTT, MA 01907-1604
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36573-361
Date	Mar 7, 2018
Book Page	36573/361
Instrument	180307002600

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
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
2026	$25,039.00 (+10.93%)	$2,086,600 (+6.03%) Land $769,400 Building $1,317,200	$2,363,414 (-27.01%)
2025	$22,572.00 (+10.27%)	$1,967,900 (+12.86%) Land $701,400 Building $1,266,500	$3,238,170
2023	$20,470.00	$1,743,600 Land $599,200 Building $1,144,400

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.

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