How Swampscott’s FY2022 Property Tax is Calculated
Swampscott’s residential tax rate will drop from $13.80 in Fiscal Year 2021 to $12.83 in FY 2022 (and down from a high of $18.84 in FY 2013). The FY 2022 rate will be the lowest since 2006.
Commercial and industrial property is surcharged at 170%, as in FY 2021, resulting in a tax rate of $23.20, down from $24.90 in FY 2021 (and a high of $35.02 in FY 2013).
The average SFH tax bill has been flat in recent years:
“Every year since 2017, Swampscott’s average, single-family home tax bill has dropped or stayed level – and that’s unique, exceptional,” said Town Administrator Sean Fitzgerald. “You won’t be able to find another community in the commonwealth that has spent as much time really trying to find balance and stability. Many peer communities have increased their taxes every year over the past four years.”
How is the rate calculated?
The method of calculating the tax rate is quite simple: take the $ amount of the previous year’s tax levy, add 2.5% for Proposition 2 1/2, and also add any new growth (such as new construction or a condo conversion). This figure is the new maximum tax levy. To this figure is added debt service – the Principal and Interest payable on the town’s debt.
Note that in recent years, Swampscott has not assessed the maximum allowed under this formula, a decision that has reduced the tax bill for residents.
Here are the numbers for FY 2021 and FY 2022, remembering that the FY 2022 runs from July 2021 to June 2022.
The Tax Rate
The actual tax rate depends upon the total Assessed Value of all property: residential, and commercial, industrial and personal (CIP). The tax rate is calculated by dividing the total dollar amount to be raised from each class by the Assessed Value of each class. Thus, the headline tax rate will also fluctuate depending upon the direction of Assessed Values.
In simplistic terms, if we assume that the $ amount to be raised increases by a little more than 2 1/2% each year, then if the average Assessed Value also increases by a little more than 2 1/2% the tax rate will be unchanged. If the increase in Assessed Values is less than 2 1/2%, then the tax rate will rise. And if the increase in Assessed Values is more than 2 1/2% then the tax rate will fall. In recent years Assessed Values have been increasing significantly more than 2 1/2% allowing for the tax rate to decline sharply.
Looking at the Swampscott residential tax rate, in FY 2021 it was $13.80, achieved by dividing $43.7 million raised from residential homeowners by the residential AV of $3.2 billion. In FY 2022 the amount to be raised from residential taxpayers is set to increase slightly to $44.7 million, but because the total residential AV increased by 10% to $3.5 billion, the headline tax rate has dropped to $13.20, the lowest figure since 2006.
Comment
The residential real estate market in Swampscott was stable in 2020 (and 2020 prices are the basis for the FY 2022 tax rate), with the median price of Single Family Homes sold rising by 2.1%. Sales in any year represent only a small percentage of the total stock so it does not follow that assessed values calculated by the town will mirror these movements.
As to the tax rate for FY 2023, 2022 ( the basis for FY 2021) is a different story with the median Single Family price increasing 16% in the first half of the year. The actual rate will depend on a number of factors: the amount of debt service, how much of the maximum tax levy is assessed, and the shift to the CIP class being three of them. But unless there is a dramatic change in the market in the second half of 2021 the likelihood is that the actual tax rate will decline significantly in FY2023.
From a residential real estate perspective, the substantial decline in the tax rate in recent years and the stability in tax bills are both very welcome news and are clearly encouraging more people to decide both to live and work in Swampscott.
Market Analyst | Team Harborside | teamharborside.com
REALTOR®
Sagan Harborside Sotheby’s International Realty
One Essex Street | Marblehead, MA 01945
m 617.834.8205
www.OliverReportsMA.com
Andrew.Oliver@SothebysRealty.com
Sotheby’s International Realty® is a registered trademark licensed to Sotheby’s International Realty Affiliates LLC. Each Office Is Independently Owned and Operated
“If you’re interested in Marblehead, you have to visit the blog of Mr. Andrew Oliver, author and curator of OliverReports.com. He’s assembled the most comprehensive analysis of Essex County we know of with market data and trends going back decades. It’s a great starting point for those looking in the towns of Marblehead, Salem, Beverly, Lynn and Swampscott.”
__________________
Andrew Oliver
REALTOR® | Market Analyst | DomainRealty.com
Naples, Bonita Springs and Fort Myers
Andrew.Oliver@DomainRealtySales.com
m. 617.834.8205
www.AndrewOliverRealtor.com
www.OliverReportsFL.com
Essex County Town by Town Guide: 2022 Median Prices and Sales; 2023 Tax Rates
Here is a town-by-town guide to 2022 Median Prices and Sales, together with 2023 property tax rates.
Read February Inventory as low as this weekend’s temperature
And these recent articles:
Economic and mortgage commentary
How Marblehead’s 2023 Property Tax Rate is Calculated
Essex County 2023 Property Tax Rates: Town by Town guide
Lies, Damned Lies and Inflation “Statistics”* (more…)
Essex County 2023 Property Tax Rates: Town by Town guide
Property tax rates for FY 2022 for all 34 cities and towns in Essex County have been certified. The first table shows the tax rates in alphabetical order, while the second lists them from low to high.
Tax rates for each town
Alphabetically (download a copy of this table by clicking here) (more…)
How Marblehead’s 2023 Property Tax Rate is Calculated
The formula for calculating the property tax is: take the $ amount of the previous year’s Tax Levy, add 2.5% for Proposition 2 1/2, and also add any New Growth (such as new construction or a condo conversion). This figure is the new tax levy. To this figure is added debt service – the Principal and Interest payable on the town’s debt. – to produce the total Tax Levy.
The tax rate is then calculated by dividing the Tax Levy by the Assessed Value of property – and, crucially, that calculation is based upon prices as of January 1, 2022, using date from sales in calendar year 2021. What that means is that 2022 sales are used for the calculation of the tax rate in FY2024 – not FY2023.
Here are the numbers for Fiscal Years 2022 and 2023, remembering that FY 2023 runs from July 2022 to June 2023. (more…)
Marblehead 2023 Property Tax Rate
The 2023 Property Tax rate of $10.00, for both residential and commercial property, has been approved by the Massachusetts Department of Revenue.This compares with a rate of $10.52 for 2022 but, with assessments climbing, tax bills will -as usual – be going up.
I will publish my usual breakdown, showing how the tax rate is calculated, next week.
And these recent articles:
Economic and mortgage commentary
Why Mortgage Rates Will Fall (more…)
How Marblehead’s 2022 Property Tax Rate is calculated
The formula for calculating the property tax is actually very simple: take the $ amount of the previous year’s Tax Levy, add 2.5% for Proposition 2 1/2, and also add any New Growth (such as new construction or a condo conversion). This figure is the new tax levy. To this figure is added debt service – the Principal and Interest payable on the town’s debt. – to produce the total Tax Levy.
Here are the numbers for Fiscal Years 2021 and 2022, remembering that FY 2022 runs from July 2021 to June 2022. (more…)
Essex County 2022 Property Tax Rates: Town by Town guide
Property tax rates for FY 2022 for all 34 cities and towns in Essex County have been certified. Below is a map, so that you can compare tax rates in neighboring towns, followed by the tax rates for each town the last 5 years. The first table shows the tax rates in alphabetical order, while the second lists them from low to high.
Tax rates for each town
Alphabetically (download a copy of this table by clicking here. (more…)
Essex County 2022 Commercial Property Tax Rates: Town by Town guide
While most of us look at residential tax rates (read Essex County 2022 Property Tax Rates: Town by Town guide ) fewer consider commercial tax rates. Yet a healthy commercial business environment can contribute significantly to the attractiveness of a town. The map below shows commercial rates in each of Essex County’s 34 cities and towns, followed by a table showing commercial rates for each town.
Commercial rates for each town: (more…)
Swampscott FY 2021 Property Tax Rate Calculation
Swampscott’s residential tax rate will drop from $14.30 in Fiscal Year 2020 to $13.80 in FY 2021 (and down from a high of $18.84 in FY 2013). The FY 2021 rate will be the lowest since 2008.
Commercial and industrial property is surcharged at 170%, as in FY 2020, resulting in a tax rate of $24.90, down from $25.85 in FY 2020 (and a high of $35.02 in FY 2013).
The average SFH tax bill has been flat in recent years:
“Every year since 2017, Swampscott’s average, single-family home tax bill has dropped or stayed level – and that’s unique, exceptional,” said Fitzgerald in the fiscal 2021 tax classification hearing on Dec. 9. “You won’t be able to find another community in the commonwealth that has spent as much time really trying to find balance and stability. Many peer communities have increased their taxes every year over the past four years.”
How is the rate calculated?
The method of calculating the tax rate is quite simple: take the $ amount of the previous year’s tax levy, add 2.5% for Proposition 2 1/2, and also add any new growth (such as new construction or a condo conversion). This figure is the new maximum tax levy. To this figure is added debt service – the Principal and Interest payable on the town’s debt.
Note that in recent years, Swampscott has not assessed the maximum allowed under this formula, a decision that has reduced the tax bill for residents.
Here are the numbers for FY 2020 and FY 2021, remembering that the FY 2021 runs from July 2020 to June 2021.
The Tax Rate
The actual tax rate depends upon the total Assessed Value of all property: residential, and commercial, industrial and personal (CIP). The tax rate is calculated by dividing the total dollar amount to be raised from each class by the Assessed Value of each class. Thus, the headline tax rate will also fluctuate depending upon the direction of Assessed Values.
In simplistic terms, if we assume that the $ amount to be raised increases by a little more than 2 1/2% each year, then if the average Assessed Value also increases by a little more than 2 1/2% the tax rate will be unchanged. If the increase in Assessed Values is less than 2 1/2%, then the tax rate will rise. And if the increase in Assessed Values is more than 2 1/2% then the tax rate will fall. In recent years Assessed Values have been increasing significantly more than 2 1/2% allowing for the tax rate to decline sharply.
Looking at the Swampscott residential tax rate, in FY 2020 it was $14.30, achieved by dividing $42.9 million raised from residential homeowners by the residential AV of $3.0 billion. In FY 2021 the amount to be raised from residential taxpayers is set to increase slightly to $43.7 million, but because the total residential AV increased by 5.4% to $3.17 billion, the headline tax rate has dropped sharply to just $13.80, the lowest figure since 2009.
Comment
The residential real estate market in Swampscott was stable in 2020 (and 2020 prices will be the basis for the FY 2022 tax rate), with the median price of Single Family Homes sold rising by 2.1%. Sales in any year represent only a small percentage of the total stock so it does not follow that assessed values calculated by the town will mirror these movements.
As to the tax rate for FY 2023, 2022 ( the basis for FY 2021) is a different story with the median Single Family price increasing 16% in the first half of the year. The actual rate will depend on a number of factors: the amount of debt service, how much of the maximum tax levy is assessed, and the shift to the CIP class being three of them. But unless there is a dramatic change in the market in the second half of 2021 the likelihood is that the actual tax rate will decline significantly in FY2023.
From a residential real estate perspective, the substantial decline in the tax rate in recent years and the stability in tax bills are both very welcome news and are clearly encouraging more people to decide both to live and work in Swampscott.
Market Analyst | Team Harborside | teamharborside.com
REALTOR®
Sagan Harborside Sotheby’s International Realty
One Essex Street | Marblehead, MA 01945
m 617.834.8205
www.OliverReportsMA.com
Andrew.Oliver@SothebysRealty.com
Sotheby’s International Realty® is a registered trademark licensed to Sotheby’s International Realty Affiliates LLC. Each Office Is Independently Owned and Operated
“If you’re interested in Marblehead, you have to visit the blog of Mr. Andrew Oliver, author and curator of OliverReports.com. He’s assembled the most comprehensive analysis of Essex County we know of with market data and trends going back decades. It’s a great starting point for those looking in the towns of Marblehead, Salem, Beverly, Lynn and Swampscott.”
__________________
Andrew Oliver
REALTOR® | Market Analyst | DomainRealty.com
Naples, Bonita Springs and Fort Myers
Andrew.Oliver@DomainRealtySales.com
m. 617.834.8205
www.AndrewOliverRealtor.com
www.OliverReportsFL.com
Essex County 2021 Commercial Property Tax Rates: Town by Town guide
While most of us look at residential tax rates, fewer are concerned with commercial tax rates. Yet a healthy commercial business environment can contribute significantly to the attractiveness of a town. The map below shows commercial rates in each of Essex County’s 34 cities and towns, followed by a table comparing residential and commercial rates.
(Click here to download a copy of this map and here to download the table)
There is a bigger variation in commercial rates than in residential rates
The lowest rate for both residential and commercial rates is Rockport’s $9.74, but while the highest residential rate is Wenham’s $19.68, there are 11 towns with commercial rates over $20, with the highest being $28.09 in Andover. 20 towns set the same rate for both residential and commercial, while in 4 towns the commercial rate is twice or more times the residential one.
Why do some towns have different residential and commercial tax rates?
Cities and towns have the ability to increase the percentage of the total tax bill paid by commercial (and industrial and personal) property owners. The percentage of the value of property classified as commercial varies enormously from town to town.
In Marblehead, for example, where residential property is 95% of the total, a 50% tax shift to commercial would increase the median commercial tax bill from $7,322 to $10,979, while reducing the median residential tax bill by only $190.
Towns with a higher percentage of commercial property are more likely to shift an increased share of the tax bill to commercial owners.
Essex County 2021 Residential Property Tax Rates: Town by Town guide
Andrew Oliver
Market Analyst | Team Harborside | teamharborside.com
REALTOR®
Sagan Harborside Sotheby’s International Realty
One Essex Street | Marblehead, MA 01945
m 617.834.8205
Licensed Sales Agent in Florida
www.OliverReports.com
Andrew.Oliver@SothebysRealty.com
Sotheby’s International Realty® is a registered trademark licensed to Sotheby’s International Realty Affiliates LLC. Each Office Is Independently Owned and Operated
“If you’re interested in Marblehead, you have to visit the blog of Mr. Andrew Oliver, author and curator of OliverReports.com. He’s assembled the most comprehensive analysis of Essex County we know of with market data and trends going back decades. It’s a great starting point for those looking in the towns of Marblehead, Salem, Beverly, Lynn and Swampscott.”
Essex County 2021 Property Tax Rates: Town by Town guide
Property tax rates for FY 2021 for all 34 cities and towns in Essex County have been certified. Below is a map, so that you can compare tax rates in neighboring towns, followed by the tax rates for each town the last 5 years. The first table shows the tax rates in alphabetical order, while the second lists them from low to high.
Tax rates for each town
Alphabetically (download a copy of this table by clicking here.
From lowest to highest based on 2021 rates (download a copy of this table by clicking here)
Median and Average Tax Rates
The median tax rate for FY2021 is $13.40, down from $13.68 in FY2020, while the average tax rate is unchanged at $13.80. The highest taxed town, Wenham, has a rate 47% higher than the County median, while the lowest, Rockport, is 27% below the median. Or put another way, the highest tax rate in Essex County is double that of the lowest.
How property tax rates are calculated
There are two main points to understand:
The dollar amount raised by property taxes is based on a simple formula: the dollar levy for the previous year plus 2 1/2% (Prop 2 1/2), plus any new growth (e.g. new construction), plus debt service.
The tax rate is then calculated by dividing the dollar amount to be raised by the Assessed Value of all property. For FY 2021 (July 2020-June 2021) Assessed Values are based upon sales during 2019. Sales in 2020 will be used for calculating the FY 2022 tax rates.
20 of Essex County’s cities and towns choose a single tax rate, whereby residential and commercial properties are taxed at the same rate. The other 14 cities and towns choose a split tax rate whereby commercial properties are taxed at a higher rate – in some cases a much higher rate.
A separate report on commercial tax rates will be published in the near future.
For a walk through the tax calculation of a single rate tax town read How Marblehead’s 2021 Tax Rate is calculated
Tax rate changes in 2021
Of the 34 cities and towns in Essex County, 19 have announced decreases in their FY2021 residential tax rate while 14 have had increases approved and one is unchanged.. Decreases of 5% or more were seen in Manchester and Ipswich, while 5% or larger increases were recorded in Merrimac and Amesbury. Bear in mind that a major determinant of the change in tax rates is the movement in Assessed Values. Thus, in a time of rising home prices, a general expectation is that tax rates should be flat to down.
Tax Rates of Neighboring Towns
Where taxes become interesting is when one can compare tax rates in neighboring towns. Many people, especially those moving to the area, whether from Boston or elsewhere, are willing to consider more than one town.There are many factors in the decision about where to live, but tax rates can be a significant influence on the decision, and have become more so with the limitation on the deduction of property taxes from Federal taxation. Some argue that lower property values offset higher taxes. Frequently, however, residents of highly taxed towns cite property taxes as a reason for wanting to move.
Commercial Property Tax Rates:a Town by Town guide
Mortgage Markets Return to Normal
Conforming Mortgage Loan Limits raised for 2021
Andrew Oliver
Market Analyst | Team Harborside | teamharborside.com
REALTOR®
Sagan Harborside Sotheby’s International Realty
One Essex Street | Marblehead, MA 01945
m 617.834.8205
Licensed Sales Agent in Florida
www.OliverReports.com
Andrew.Oliver@SothebysRealty.com
Sotheby’s International Realty® is a registered trademark licensed to Sotheby’s International Realty Affiliates LLC. Each Office Is Independently Owned and Operated
“If you’re interested in Marblehead, you have to visit the blog of Mr. Andrew Oliver, author and curator of OliverReports.com. He’s assembled the most comprehensive analysis of Essex County we know of with market data and trends going back decades. It’s a great starting point for those looking in the towns of Marblehead, Salem, Beverly, Lynn and Swampscott.”
How Marblehead’s 2021 Property Tax Rate is Calculated
This article, which explains how the tax rate is calculated, is a follow up to Marblehead’s 2021 Property Tax Rate
The formula is actually very simple: take the $ amount of the previous year’s Tax Levy, add 2.5% for Proposition 2 1/2, and also add any New Growth (such as new construction or a condo conversion). This figure is the new tax levy. To this figure is added debt service – the Principal and Interest payable on the town’s debt. – to produce the new Tax Levy.
Here are the numbers for Fiscal Years 2020 and 2021, remembering that FY 2021 runs from July 2020 to June 2021. (more…)
Marblehead’s 2021 Property Tax Rate
Marblehead’s property tax rate for FY 2021 (July 1, 2020 – June 30, 2021) has been certified by the State at $10.42, compared with my estimate of $10.40. Note that the certified rate is 1 ct less than the rate approved by the Board of Selectmen. I suspect that the difference is due to the State rounding down and the town rounding up as by my calculation the actual rate was $10.423.
The FY2021 proposed assessments are based primarily on calendar 2019 market sales and reflect the value as of January 1, 2020. The median SFH assessment for 2021 increased 4.1% from $674,000 to $702,000, and the median tax bill will increase 4.6% from $7,003 to $7,322.
As usual, Marblehead will have the same rate for commercial property and for residential.
I will post an article explaining how the rate is calculated when I have the full details, and will also post my regular articles showing the tax rates for all 34 cities and towns in Essex County when they have all been certified. – only 7 have been to date.
How is Marblehead’s 2020 Property Tax rate calculated?
Essex County 2020 property tax rates: a Town by Town guide
Andrew Oliver
Market Analyst | Team Harborside | teamharborside.com
REALTOR®
Sagan Harborside Sotheby’s International Realty
One Essex Street | Marblehead, MA 01945
m 617.834.8205
www.OliverReports.com
Andrew.Oliver@SothebysRealty.com
Sotheby’s International Realty® is a registered trademark licensed to Sotheby’s International Realty Affiliates LLC. Each Office Is Independently Owned and Operated
“If you’re interested in Marblehead, you have to visit the blog of Mr. Andrew Oliver, author and curator of OliverReports.com. He’s assembled the most comprehensive analysis of Essex County we know of with market data and trends going back decades. It’s a great starting point for those looking in the towns of Marblehead, Salem, Beverly, Lynn and Swampscott.”
Some people use stats the way a drunk uses a lamppost: for support rather than for illuminatio.
Twenty Questions with Marblehead’s Assessor
The FY2020 (July 1, 2019 – June 30, 2020) tax rate has been set at $10.39, down from $10.74 in FY2019. While the median single family (SFH) assessment increased 7.0%, or $44,000, to $674,000, the median SFH tax bill increased by half that – 3.5% – or $236, to $7,003. The commercial rate has once again been set at the same level as the residential rate.
Note that the tax rate includes the cost of debt exclusions (mainly for school construction and items like the new transfer station) voted by residents. Debt service accounts for $0.98 of the 2020 tax rate, down from $1.02 in 2019. Excluding the cost of debt service, the tax rate fell from $9.72 to $9.41.
Marblehead’s 2020 tax rate will again be the second lowest of the 34 cities and towns in Essex County. The highest rate in Essex County belongs to Wenham at $18.94; the lowest Rockport at $10.10; and the median is $13.68.
Approximately 75% of Marblehead’s revenue comes from property taxes. (more…)
How is Swampscott’s 2020 Property Tax rate calculated?
Swampscott’ residential tax rate will drop from $15.20 in Fiscal Year 2019 to $14.30 in FY 2020 (and down from a high of $18.84 in FY 2013). The FY 2020 rate will be the lowest since 2008.
Commercial and industrial property is surcharged at 170%, as in FY 2019, resulting in a tax rate of $27.45, down from $28.83 in FY 2018 (and a high of $35.02 in FY 2013).
The average SFH tax bill has been flat in recent years, while the average commercial tax bill has increased:
Were a single tax rate to be enacted – meaning that residential and commercial property were taxed at the same rate – that rate would be $15.10 for FY 2020. The average SFH and condo tax bills would increase by 5.6% while the average commercial bill would drop 41.2%.
How is the rate calculated?
The method of calculating the tax rate is quite simple: take the $ amount of the previous year’s tax levy, add 2.5% for Proposition 2 1/2, and also add any new growth (such as new construction or a condo conversion). This figure is the new maximum tax levy. To this figure is added debt service – the Principal and Interest payable on the town’s debt.
Note that in recent years, Swampscott has not assessed the maximum allowed under this formula, a decision that has reduced the tax bill for residents. The average tax bill will decline by $23 in FY 2020, a third consecutive year of decline.
Here are the numbers for FY 2018, 2018 and 2020, remembering that the FY runs from July to June.
The Tax Levy calculation
The maximum $ amount that can be raised by the property tax will increase year by year. That is because of the formula: last year’s number plus 2.5% (Prop 2 1/2) plus new growth. In the table above you can see how the FY 2019 maximum tax levy of $50,034,670 becomes the base for FY 2020. Add $1,250,867 for Prop 2 1/2 and new growth of $425,000 to get the new figure of $51,710,537.
To this number is added the debt service – Principal and Interest on the town’s debt, much as homeowners pay P&I on their mortgage. Note that the actual tax levy was less than the maximum allowed by just over $2 million in FY 2018, by $3.4 million in FY 2019 and by $4.4 million in FY 2020. In other words, the amount to be raised through taxes was reduced by these amounts each year.
The Tax Rate
The actual tax rate depends upon the total Assessed Value of all property: residential, and commercial, industrial and personal (CIP). The tax rate is calculated by dividing the total dollar amount to be raised from each class by the Assessed Value of each class. Thus, the headline tax rate will also fluctuate depending upon the direction of Assessed Values.
In simplistic terms, if we assume that the $ amount to be raised increases by a little more than 2 1/2% each year, then if the average Assessed Value also increases by a little more than 2 1/2% the tax rate will be unchanged. If the increase in Assessed Values is less than 2 1/2%, then the tax rate will rise. And if the increase in Assessed Values is more than 2 1/2% then the tax rate will fall. In recent years Assessed Values have been increasing significantly more than 2 1/2% allowing for the tax rate to decline sharply.
Looking at the Swampscott residential tax rate, in FY 2019 it was $15.20, achieved by dividing $42.6 million raised from residential homeowners by the residential AV of $2.8 billion. In FY 2020 the amount to be raised from residential taxpayers is set to increase slightly to $42.9 million, but because the total residential AV increased by 7.2% to $3.0 billion, the headline tax rate has dropped sharply to just $14.30, the lowest figure since 2009.
Comment
The residential real estate market in Swampscott was stable in 2019 (and 2019 prices will be the basis for the FY 20201 tax rate), with the median price of Single Family Homes sold rising less than 1%, while the median price of the condos sold declined 2.5%. Sales in any year represent only a small percentage of the total stock so it does not follow that assessed values calculated by the town will mirror these movements.
As to the tax rate for FY 2021, that depends on a number of factors: the amount of debt service, how much of the maximum tax levy is assessed, and the shift to the CIP class being three of them. Absent some change in methodology, however, it does not seem likely that the residential tax rate will see a further decline in FY 2021.
From a residential real estate perspective, the substantial decline in the tax rate in recent years and the stability in tax bills are both very welcome news and are clearly encouraging more people to decide both to live and work in Swampscott.
Andrew Oliver
Market Analyst | Team Harborside | teamharborside.com
REALTOR®
Sagan Harborside Sotheby’s International Realty
One Essex Street | Marblehead, MA 01945
m 617.834.8205
www.OliverReports.com
www.TeamHarborside.com
Andrew.Oliver@SothebysRealty.com
Sotheby’s International Realty® is a registered trademark licensed to Sotheby’s International Realty Affiliates LLC. Each Office Is Independently Owned and Operated
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