Essex County and Swampscott Town property record for 98 Roy St, Swampscott, MA 01907
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,176 sqft · built 1925 |
| Lot Size | 0.069 acres (3,001 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $125,000 (Aug 1998) |
| Tax Bill | $6,373 (2026) |
| Deeds & Mortgages | Oct 2025 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | SWAM M:0007 B:0090 L:0 |
| Primary APN | SWAM M:0007 B:0090 L:0 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,176 sqft Living Area |
| Gross Area | 2,331 sqft |
| Basement Area | 714 sqft |
| Unfinished Basement | 714 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,001 sqft (0.069 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 98 ROY ST |
|---|---|
| City | SWAMPSCOTT |
| State | MA |
| Zip | 01907-1073 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A3 |
| Legal Block | 90 |
| Jurisdiction | SWAMPSCOTT MA |
| Township / Civil Division | SWAMPSCOTT |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 202103 |
98 Roy St is owner-occupied and held in a trust since October 2025.
Source: Essex County and Swampscott Town records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 98 ROY ST, SWAMPSCOTT, MA 01907-1073 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 1998 · Amount on File |
| Deed Sale | Aug 31, 1998 · Amount on File |
| Deed Book / Page | 15061 / 61 |
| Last Transfer Date | Oct 8, 2025 |
| Transfer Doc | 042995-251 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SWAMPSCOTT MA |
| Recording Date | Oct 8, 2025 |
| Property Address | 98 ROY ST, SWAMPSCOTT, MA 01907-1073 |
| Document Number | 042995-251 |
| Book / Page | 42995 / 251 |
| Instrument Date | Oct 8, 2025 |
| Instrument | 20251008002370 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 98 ROY ST, SWAMPSCOTT, MA 01907-1073 |
The 2026 property tax bill for 98 Roy St was $6,373, up 7.9% from the year before.
Source: Essex County and Swampscott Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Swampscott Town |
| Unified School District | Swampscott School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,373.00 (+7.93%) | $531,100 (+3.17%) Land $214,000 Building $317,100 | $555,699 (+11.99%) |
| 2025 | $5,905.00 | $514,800 Land $214,000 Building $300,800 | $496,185 |
| 2023 | $5,456.00 | $464,700 Land $188,800 Building $275,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 98 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.
The area around 98 Roy St 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 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.
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 |
| 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.
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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