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Single Family ResidenceResidential
$1,061,398$564 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $870,000 on Nov 7, 2023

645 HUMPHREY ST

SWAMPSCOTT, MA 01907
4
Beds
3.5
Baths
1,881 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.19 ac
Lot SizeThe size of the land the home sits on, from county records.
1905
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$1.1M
$958K low$1.2M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$870,000 · Nov 7, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$9,841 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$858,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$264,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$593,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$821,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$933,755

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.24 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.35%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyESSEX
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2000
Lot (acres)The size of the land the home sits on, from county records.0.18
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(17)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Swampscott Elementary SchoolC+
Elementary · Grades KG–4 · 0.3 mi
M
Swampscott Middle SchoolC+
Middle · Grades 5–8 · 0.4 mi
H
Swampscott High SchoolA
High · Grades 9–12 · 1.2 mi

District: Swampscott School District

Neighborhood · ZIP 01907These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.62
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.96
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.81

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.31%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.2%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.15,022
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.4,395 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$135,474
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$175,738
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.46 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

645 Humphrey St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 83% of homes in Essex County
  • Costs more per square foot than 88% of homes in Essex County
  • Older than 80% of homes in Swampscott 01907

What homes are worth in Swampscott 01907

Each bar is how many homes fall in that price range. The marker is this home.

This home
$367K$2.8M

This home is worth more than 71% of homes in Swampscott 01907.

How it measures up in Swampscott 01907

The dot is this home. The mark in the middle is the typical home in Swampscott 01907.

Estimated value$1,061,398
CheaperTypical $851,606Pricier

Pricier than 71% of homes nearby

Price per ft²$564
CheaperTypical $480Pricier

Pricier than 79% of homes nearby

Living area1,881 ft²
SmallerTypical 1,845 ft²Bigger

Bigger than 52% of homes nearby

Lot size0.19 ac
SmallerTypical 0.19 acBigger

Bigger than 50% of homes nearby

Year built1905
OlderTypical 1937Newer

Newer than 20% of homes nearby

How 645 Humphrey St ranks against every home in each area.
MeasureThis homeSwampscott 01907Essex County
Estimated valuepricier than$1,061,39871% of homes83% of homes
Price per ft²pricier than$56479% of homes88% of homes
Living areabigger than1,881 ft²52% of homes52% of homes
Lot sizebigger than0.19 ac50% of homes36% of homes
Year builtnewer than190520% of homes21% of homes

About 645 Humphrey St

How much is 645 Humphrey St, Swampscott, MA worth?

The TopHap Estimate for 645 Humphrey St, Swampscott, MA is $1,061,398 as of Aug 30, 2026. The likely range is $958,344 to $1,164,452. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 645 Humphrey St, Swampscott, MA last sell?

645 Humphrey St, Swampscott, MA last sold on Nov 7, 2023 for $870,000, according to the county's recorded deed. TopHap holds 7 recorded sales for this parcel.

How big is 645 Humphrey St, Swampscott, MA?

645 Humphrey St, Swampscott, MA has 4 bedrooms, 3.5 bathrooms, 1,881 square feet of living space and a 0.18-acre lot.

When was 645 Humphrey St, Swampscott, MA built?

645 Humphrey St, Swampscott, MA was built in 1905, making it 121 years old. The building has 2 stories.

What schools serve 645 Humphrey St, Swampscott, MA?

645 Humphrey St, Swampscott, MA is assigned to Swampscott Elementary School (elementary), rated C+; Swampscott Middle School (middle), rated C+; Swampscott High School (high), rated A. All sit in Swampscott School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 645 Humphrey St, Swampscott, MA compare to other homes in Swampscott 01907?

Among the 5,167 homes in Swampscott 01907, it is worth more than 71% of them ($1,061,398 against a typical $851,606), its price per square foot is higher than 79% of them ($564 against a typical $480), it is bigger than 52% of them (1,881 ft² against a typical 1,845 ft²), its lot is bigger than 50% of them (0.19 ac against a typical 0.19 ac) and it is newer than 20% of them (1905 against a typical 1937). Measured against all of Essex County, it is worth more than 83% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 645 Humphrey St, Swampscott, MA?

The 2025 property tax bill for 645 Humphrey St, Swampscott, MA was $9,841. The county assessed it at $858,000.

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