LevelThird
20 Ocean Ave, Swampscott MA 01907
Swampscott, MA 01907 • Phillips Beach
$3,250,000
$3,100,000
Est. $17,106/month
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About this home
Completely reimagined and rebuilt in 2025, this exceptional coastal residence offers 6,388 sq ft of architecturally refined living space on a rare .56-acre corner lot just a short walk to Phillips Beach. Designed with the scale and craftsmanship of new construction, the home features custom millwork, coffered ceilings, and expansive open sightlines throughout sun-filled living and dining spaces anchored by a stunning chef’s kitchen. With 6 bedrooms and 5.5 baths, the layout offers remarkable flexibility including a private top-floor suite with living room and office, a fully finished apartment-style lower level with multiple additional sleeping or office options, and bonus space above the garage ideal for studio, fitness, or golf simulator. A separate carriage house provides valuable additional space and future-use potential. Set on a wide, quiet neighborhood street with exceptional yard space, this is a distinctive modern coastal offering of uncommon scale, quality, and presence.
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Recently Sold Nearby
Property History
Market Insights
1
Price Changes
63.1%
Price Range
1
Previous Sales
Property Timeline
Pending Sale
Jul 16, 2026
Offer accepted, sale pending
Price Reduced
Jun 8, 2026
$3,100,000
$150,000
(-4.62%)
From $3,250,000 to $3,100,000 (-4.6%)
Listed for Sale
May 11, 2026
$3,250,000
Original listing
Agent: Chris McNamara
Office: McNamara Realty, Inc.
Previous Transaction - MLS #73209524
Full transaction history available when tracking began
Previously Sold
Apr 16, 2024
$1,200,000
MLS #73209524
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 07/16/2026 | ⏳ Pending Sale | - | - | - | Offer accepted, sale pending |
| 06/08/2026 | ↓ Price Reduced | $3,100,000 | $150,000 | - | From $3,250,000 to $3,100,000 (-4.6%) |
| 05/11/2026 | 🏠 Listed for Sale | $3,250,000 | - | - | Original listing |
| 04/16/2024 | 🏷️ Previously Sold | $1,200,000 | - | - | MLS #73209524 |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2025 | $14,770 | $1,287,700 |
Financial Details
Annual Property Tax
$14,770
Tax Year 2025
Assessed Value
$1,287,700
Facts & Features
4 Car Garage
Central AC
Home Facts
Type
Residential
Style
Single Family Residence
Year Built
2025
Living Area
6,388 sq ft
Lot Size
0.56 acres
Bedrooms
6
Full Baths
5
Half Baths
1
Total Rooms
18
Interior
Heating
Central, Forced Air, Heat Pump, Natural Gas
Cooling
Central Air, Heat Pump
Flooring
Hardwood
Appliances
Gas Water Heater, Water Heater, Oven, Dishwasher, Disposal, Microwave, Range, Refrigerator, Freezer, Washer, Dryer, Wine Refrigerator, Range Hood
Fireplace
None
Fireplaces
2
Basement
Full, Finished, Walk-out Access, Interior Entry
Laundry
Second Floor, Electric Dryer Hookup
Features
Mud Room, Office, Bonus Room, Bedroom, Inlaw Apt., Wet Bar, Wired For Sound
Exterior
Construction
Frame
Architecture
Colonial, Craftsman
Roof
Shingle
Features
Porch, Deck - Composite, Rain Gutters, Storage, Sprinkler System, Screens, Fenced Yard
Pool
None
Spa
None
Fencing
Fenced
Patio/Porch
Porch, Deck - Composite
Parking
Garage Spaces
4
Has Garage
Yes
Features
Attached, Detached, Garage Door Opener, Storage, Workshop In Garage, Garage Faces Side, Carriage Shed, Paved Drive, Off Street, Driveway, Paved
Total Spaces
10
Utilities
Electric
200+ Amp Service
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Gas Range, For Electric Dryer
Financial
Annual Tax
$14,770
Assessed Value
$1,287,700
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Seller Disclosures
Current Assessed Value Does Not Reflect Home’s Rebuilt Condition. Photo Of Golf Simulator Space Is Virtual Rendering Illustrating Potential Future Use Of The Bonus Room Above Garage. Original Structure Built In 1898; Home Fully Reconstructed In 2025. Floor Plans Attached Do Not Depict Carriage House
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
Sq Ft Source
Measured
Sq Ft Disclosures
Approx 6,388 sq ft of living area per floor plans; excl. bonus room above garage and carriage house
Documents
None
County
Essex
Total market time (incl. prior listings)
81 days
Property Overview
Property Type
Single Family Residence
Listing Type
Sale Pending
Year Built
2025
Bedrooms
6
Full Bathrooms
5
Half Bathrooms
1
Living Area
6,388 sq ft
Total Rooms
18
Floor Layout
Interactive room guide
Floor Layout
Finished Area
5,300 sq ft above grade
1,088 sq ft below grade
LevelSecond
LevelSecond
LevelSecond
LevelSecond
LevelSecond
LevelSecond
LevelFirst
LevelFirst
LevelFirst
LevelFirst
LevelFirst
LevelFirst
FeaturesYes
Display Options
Outdoor Areas
Patio & porchPorch, Deck - Composite
Room Markers
BABathroom (4)
BRBedroom (5)
DDining (1)
KKitchen (1)
LLiving (2)
OOffice (1)
Conceptual diagram based on MLS room data. It is not to scale and is not a substitute for architectural plans or on-site measurements.
Interior Features
Flooring:
Hardwood
Appliances:
Gas Water Heater, Water Heater, Oven, Dishwasher, Disposal, Microwave, Range, Refrigerator, Freezer, Washer, Dryer, Wine Refrigerator, Range Hood
Interior Features:
Mud Room, Office, Bonus Room, Bedroom, Inlaw Apt., Wet Bar, Wired for Sound
Windows:
Screens
Basement:
Full, Finished, Walk-Out Access, Interior Entry
Laundry:
Second Floor, Electric Dryer Hookup
Security:
Construction & Materials
Style:
Colonial, Craftsman
Year Built:
2025
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle
Foundation:
Concrete Perimeter, Stone
Heating, Cooling & Utilities
Heating:
Central, Forced Air, Heat Pump, Natural Gas
Heating Zones:
6
Cooling:
Central Air, Heat Pump
Cooling Zones:
6
Hot Water:
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Porch, Deck - Composite, Rain Gutters, Storage, Sprinkler System, Screens, Fenced Yard
Patio & Porch:
Porch, Deck - Composite
Fencing:
Fenced
Other Structures:
Lot Features:
Corner Lot
Road Surface:
Paved
Parking & Garage
Garage Spaces:
4
Garage Type:
Attached
Total Parking Spaces:
10
Parking Features:
Attached, Detached, Garage Door Opener, Storage, Workshop in Garage, Garage Faces Side, Carriage Shed, Paved Drive, Off Street, Driveway, Paved
Special Features
Fireplaces:
2
Fireplace Type:
Community Amenities:
Public Transportation, Shopping, Tennis Court(s), Park, Walk/Jog Trails, Golf, Bike Path, Conservation Area, Private School, Public School
Nearby Schools
School information not available for this location.
Monthly Payment Calculator
Monthly Payment
$0
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Loan Amount
$0
After down payment
Total Interest
$0
Over life of loan
Total Cost
$0
Including down payment
%
Down: $0
%
Monthly Payment Breakdown
Principal & Interest
$0
Property Tax
$1,231
Homeowners Insurance
$200
PMI (if <20% down)
$0
Loan Summary
Total of 360 payments
$0
Total principal paid
$0
Total interest paid
$0
Rate Impact
-0.5% Rate
$0/mo
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Current Rate
$0/mo
+0.5% Rate
$0/mo
Cost $0/mo
Payment Over Time
Year 1
95% Interest
Year 15
50/50
Year 30
95% Principal
* Estimates only. Actual payments may vary. Consult with a lender for accurate figures.
Location
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Neighborhood
Phillips Beach
20 Ocean Ave, Swampscott MA 01907
Swampscott, MA 01907
Listing Information
Listing Agent
Chris McNamara
Listing Office
McNamara Realty, Inc.
Office Phone
617-605-1201
Agent MLS ID
CN217517
Office MLS ID
AN6977
Listing Data Updated
Jul 31, 2026 3:05 AM EDT
Listing information is deemed reliable but not guaranteed. Data provided by MLS Property Information Network, Inc. All information should be independently verified.
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