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Single Family ResidenceResidential
$583,773$496 / 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 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $125,000 on Aug 31, 1998

98 ROY ST

SWAMPSCOTT, MA 01907
3
Beds
1.5
Baths
1,176 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.
3,001 ft²
Lot SizeThe size of the land the home sits on, from county records.
1925
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$584K
$548K low$619K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$125,000 · Aug 31, 1998
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$443,773
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$355,018
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.25%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$125,000
PRIME MORTGAGE FINANCIAL · recorded Jan 22, 2003
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$15,000
GARY NEEDHAM

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,905 (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.$514,800 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$214,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$300,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$502,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$496,185

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyESSEX
Lot (acres)The size of the land the home sits on, from county records.0.07
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.Steam
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(6)

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.

H
Swampscott High SchoolA
High · Grades 9–12 · 0.3 mi
M
Swampscott Middle SchoolC+
Middle · Grades 5–8 · 1.2 mi
E
Swampscott Elementary SchoolC+
Elementary · Grades KG–4 · 1.4 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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

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

98 Roy 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 less than 78% of homes in Swampscott 01907
  • Costs more per square foot than 77% of homes in Essex County
  • Smaller than 85% of homes in Swampscott 01907
  • Has a smaller lot than 98% of homes in Swampscott 01907
  • Older than 68% of homes in Essex County

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
$361K$2.7M

This home is worth more than 22% 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$583,773
CheaperTypical $806,511Pricier

Pricier than 22% of homes nearby

Price per ft²$496
CheaperTypical $462Pricier

Pricier than 64% of homes nearby

Living area1,176 ft²
SmallerTypical 1,838 ft²Bigger

Bigger than 15% of homes nearby

Lot size3,001 ft²
SmallerTypical 0.19 acBigger

Bigger than 2% of homes nearby

Year built1925
OlderTypical 1938Newer

Newer than 41% of homes nearby

How 98 Roy St ranks against every home in each area.
MeasureThis homeSwampscott 01907Essex County
Estimated valuepricier than$583,77322% of homes30% of homes
Price per ft²pricier than$49664% of homes77% of homes
Living areabigger than1,176 ft²15% of homes17% of homes
Lot sizebigger than3,001 ft²2% of homes3% of homes
Year builtnewer than192541% of homes32% of homes

About 98 Roy St

How much is 98 Roy St, Swampscott, MA worth?

The TopHap Estimate for 98 Roy St, Swampscott, MA is $583,773 as of Jul 14, 2026. The likely range is $548,383 to $619,163. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 98 Roy St, Swampscott, MA last sell?

98 Roy St, Swampscott, MA last sold on Aug 31, 1998 for $125,000, according to the county's recorded deed.

How big is 98 Roy St, Swampscott, MA?

98 Roy St, Swampscott, MA has 3 bedrooms, 1.5 bathrooms, 1,176 square feet of living space and a 0.07-acre lot.

When was 98 Roy St, Swampscott, MA built?

98 Roy St, Swampscott, MA was built in 1925, making it 101 years old. The building has 2 stories.

What schools serve 98 Roy St, Swampscott, MA?

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

How does 98 Roy St, Swampscott, MA compare to other homes in Swampscott 01907?

Among the 5,167 homes in Swampscott 01907, it is worth more than 22% of them ($583,773 against a typical $806,511), its price per square foot is higher than 64% of them ($496 against a typical $462), it is bigger than 15% of them (1,176 ft² against a typical 1,838 ft²), its lot is bigger than 2% of them (3,001 ft² against a typical 0.19 ac) and it is newer than 41% of them (1925 against a typical 1938). Measured against all of Essex County, it is worth more than 30% 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 98 Roy St, Swampscott, MA?

The 2025 property tax bill for 98 Roy St, Swampscott, MA was $5,905. The county assessed it at $514,800.

Closest homes

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Assigned schools

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