481 Humphrey, Swampscott MA 01907
Swampscott, MA 01907
$949,000
Est. $5,762/month
Open House Schedule
08
Aug
Saturday, August 8
11:00 AM - 12:30 PM EDT
07
Aug
Friday, August 7
10:00 AM - 11:00 AM EDT
09
Aug
Sunday, August 9
12:00 PM - 1:30 PM EDT
About this home
Amazing opportunity to own TWO single family houses on ONE lot...and located just one block from the ocean in Swampscott! Enjoy the fabulous water views and feel the cool ocean breeze just minutes away from your doorway at Swampscott Harbor and Fisherman's Beach. This prime location is also a short walk to Swampscott's coastal downtown, offering a charming mix of restaurants, local shops, everyday conveniences and many green spaces. Both houses are move-in ready! The primary house was thoughtfully refreshed, offering the perfect blend of modern amenities, timeless classic style with touches of old world charm that includes original wood floors, an ornate tin ceiling and custom storage cabinets and shelves. The kitchen is equipped with new appliances, countertops and a custom built entrance storage area. A guest bathroom was also added on the first floor long with a kitchen pantry. The second floor bathroom sparkles after it was gut renovated and fitted with a deep tub, glass shower enclosure and modern fixtures. The third floor was finished and houses the fourth bedroom with adjoining office or den. The second house was significantly rebuilt 20 years ago with an open concept eat-in kitchen and living room area along with a 3/4 bathroom and a large loft on the second floor. The loft is the perfect location for a private and cozy sleeping area. This two house property presents multiple living and investment options. It's an ideal property for an owner occupant needing additional space for extended family, an owner occupant seeking rental income or an investor looking solely for an income-producing investment property. Whether you're looking for a multi-generational family home, a coastal retreat or a solid rental investment, this property offers extraordinary flexibility and a good value! Come see for yourself!!
View in the App
Save this property, schedule tours instantly, and get alerts when the price drops
Scan with phone
Public Records & Permits
Log in to view assessor & tax records, ownership history, and recent building permits for this property.
BMN Estimate
Get the number an algorithm can't give you
A free agent CMA factors in condition, upgrades, and the street — the things comps alone can't see.
Recently Sold Nearby
Property History
Property Timeline
Listed for Sale
Aug 6, 2026
$949,000
Original listing
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 08/06/2026 | 🏠 Listed for Sale | $949,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $9,158 | $753,400 |
Financial Details
Annual Property Tax
$9,158
Tax Year 2026
Assessed Value
$753,400
Facts & Features
Home Facts
Type
Residential Income
Style
Multi Family
Year Built
1798
Living Area
2,471 sq ft
Lot Size
0.14 acres
Bedrooms
4
Full Baths
2
Half Baths
1
Total Rooms
8
Investment Metrics
Units
2
Unit 1 Rent
$4,200/mo · N
Unit 2 Rent
$2,400/mo · N
Total Monthly Rent
$6,600/mo
Gross Income
$79,200
Net Operating Income
$79,200
Cap Rate
8.35%
Interior
Heating
Forced Air, Natural Gas, Unit Control, Electric, Ductless
Cooling
Ductless
Flooring
Wood, Vinyl
Appliances
Range, Dishwasher, Disposal, Microwave, Refrigerator, Washer, Dryer
Fireplace
None
Basement
Full, Interior Entry, Bulkhead, Concrete, Unfinished
Laundry
None
Features
Ceiling Fan(s), Walk-up Attic, Heated Attic, Pantry, Storage, Walk-in Closet(s), Bathroom With Tub & Shower, Internet Available - Unknown, Cathedral/vaulted Ceilings, Bathroom With Shower Stall, Open Floorplan, Living Room, Dining Room, Kitchen, Loft
Exterior
Construction
Frame
Architecture
None
Roof
Shingle
Features
Balcony/deck, Rain Gutters
Pool
None
Spa
None
Fencing
None
Patio/Porch
Porch
Parking
Features
Paved Drive, Off Street, Paved
Total Spaces
10
Utilities
Electric
Circuit Breakers, 200+ Amp Service, Individually Metered
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Gas Range, For Electric Range
Financial
Annual Tax
$9,158
Assessed Value
$753,400
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Seller Disclosures
This Property Requires Flood Insurance As It Is Located In Fema Zone Ae Flood Hazard Area. Seller Currently Pays $1, 097 For Annual Flood Insurance. Property Has One Water Meter That Serves Both Houses. Rental Income Is Based On Current Market Rental Rates For Comparable Properties.
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
Sq Ft Source
Public Record
Sq Ft Disclosures
2nd house has sleeping loft on 2nd floor. Size & dimension of rooms are approximate, actual may vary
Documents
None
County
Essex
Property Overview
Property Type
Multi Family
Listing Type
For Sale
Year Built
1798
Bedrooms
4
Full Bathrooms
2
Half Bathrooms
1
Living Area
2,471 sq ft
Total Rooms
8
Stories
5
Levels
5
Floor Layout
Interactive room guide
Floor Layout
Finished Area
2,471 sq ft above grade
Display Options
Outdoor Areas
Patio & porchPorch
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:
Wood, Vinyl
Appliances:
Range, Dishwasher, Disposal, Microwave, Refrigerator, Washer, Dryer
Interior Features:
Ceiling Fan(s), Walk-Up Attic, Heated Attic, Pantry, Storage, Walk-In Closet(s), Bathroom With Tub & Shower, Internet Available - Unknown, Cathedral/Vaulted Ceilings, Bathroom with Shower Stall, Open Floorplan, Living Room, Dining Room, Kitchen, Loft
Windows:
Basement:
Full, Interior Entry, Bulkhead, Concrete, Unfinished
Laundry:
Security:
Construction & Materials
Year Built:
1798
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle
Foundation:
Stone
Stories:
5
Heating, Cooling & Utilities
Heating:
Forced Air, Natural Gas, Unit Control, Electric, Ductless
Heating Zones:
2
Cooling:
Ductless
Cooling Zones:
2
Hot Water:
Natural Gas, Electric
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Balcony/Deck, Rain Gutters
Patio & Porch:
Porch
Fencing:
Other Structures:
Lot Features:
Flood Plain, Level
Road Surface:
Paved
Parking & Garage
Total Parking Spaces:
10
Parking Features:
Paved Drive, Off Street, Paved
Nearby Schools
School District
Swampscott School District local
B
Where Graduates Go
Class of 2021
78%
attend college
73%
4-Year
5%
2-Year
38%
Out of State
4%
Working
School Safety
2024-25
1.2%
Low
1.2%
Suspensions
0.4%
In-School
4.3% below state avg
Elementary Schools
1 school
B+
Swampscott Elementary School
0.5 mi
|
#326 of 824
|
Score: 50.0
Dropped 54 spots from last year
-8.2 below state avg
Limited historical data for year-over-year comparison
734 students
Moderate
Grades K-04
Middle Schools
1 school
B+
Swampscott Middle School
0.5 mi
|
#122 of 352
|
Score: 47.2
Dropped 51 spots from last year
-11 below state avg
654 students
Moderate
Grades PK-08
High Schools
1 school
A-
Swampscott High School
1.0 mi
|
#98 of 346
|
Score: 60.1
Dropped 66 spots from last year
+1.9 above state avg
706 students
Moderate
18 sports
• 1,578 athletes
Strong AP Program
High Graduation Rate
Career Tech Programs
College Ready Curriculum
Grades 09-12
Learn about these ratings
Monthly Payment Calculator
Monthly Payment
$0
Principal, interest, taxes & insurance
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
$763
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
Save $0/mo
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
Loading map...
Neighborhood
481 Humphrey, Swampscott MA 01907
Swampscott, MA 01907
Listing Information
Listing Agent
Ellen Zumbado
Listing Office
Marsh Properties, Inc.
Office Phone
617-716-0240
Agent MLS ID
CN227538
Office MLS ID
NB9282
Listing Data Updated
Aug 6, 2026 7:13 AM EDT
Listing information is deemed reliable but not guaranteed. Data provided by MLS Property Information Network, Inc. All information should be independently verified.
Contact Us
Ask about this property — free, no obligation.
Similar Homes for Sale
Comparable Properties
Customize Comparable Search
Finding comparable properties...
Loading market insights for Swampscott.
BMN Boston Real Estate
Douglas EllimanYour message will be sent to BMN Boston Real Estate.