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20 Ocean Ave, Swampscott MA 01907

Swampscott, MA 01907 • Phillips Beach
$3,250,000
$3,100,000
Est. $17,106/month
6
Beds
5.5
Baths
6,388
Sq Ft
$485
Price/Sq Ft
0.56
Acres
2025
Year Built
4
Garage Spaces
60
Days on Market
Active Price Drop -$150,000 Listed May 11, 2026 • MLS# 73509663 Copied! • Updated Jun 12, 2026

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

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

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
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
Electric 200+ Amp Service
Water Public
Sewer Public Sewer
Gas None
Other For Gas Range, For Electric Dryer
Annual Tax $14,770
Assessed Value $1,287,700
Fee Includes None
Amenities None
Optional Fee Includes None
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
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) 32 days

Property Overview

Property Type
Single Family Residence
Listing Type
For Sale
Year Built
2025
Bedrooms
6
Full Bathrooms
5
Half Bathrooms
1
Living Area
6,388 sq ft
Total Rooms
18

Room Details

First Floor

Bathroom1
Dining Room
Kitchen
Living Room
Office
Family Room

Second Floor

Bedroom4
Bedroom3
Bathroom2
Bedroom2
Bathroom3
Master Bedroom

Third Floor

Bedroom5

Other Floor

Master Bathroom
Yes

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
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
E

Elementary Schools

1 school
B+
Swampscott Elementary School
0.4 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
M

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
H

High Schools

1 school
A-
Swampscott High School
1.4 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
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Monthly Payment Breakdown

Principal & Interest $0
Property Tax $1,231
Homeowners Insurance $200
PMI (if <20% down) $0

Loan Summary

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Payment Over Time

Interest
Principal
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 Jun 12, 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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Steven Novak
Steven Novak
BMN Boston Real Estate
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