Essex County and Lynn City property record for 10 Gray Cir, Lynn, MA 01902 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,524 sqft · built 1900 |
| Lot Size | 0.087 acres (3,772 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,966 (2025) |
| Deeds & Mortgages | Apr 2021 Refinance Jan 2026 Reverse Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B:102 L:552 S:013 |
| Primary APN | B:102 L:552 S:013 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 3 Stories |
| Building Area | 2,524 sqft Living Area |
| Gross Area | 4,289 sqft |
| Basement Area | 1,000 sqft |
| Unfinished Basement | 1,000 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,772 sqft (0.087 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 10 GRAY CIR |
|---|---|
| City | LYNN |
| State | MA |
| Zip | 01902-2015 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | 16 PARSONS ST |
| Legal Block | 552 |
| Legal Lot Number | 13 |
| Jurisdiction | LYNN MA |
| Township / Civil Division | LYNN |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 206600 |
Source: Essex County and Lynn City records · APN B:102 L:552 S:013
Assessment roll updated April 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10 GRAY CIR, LYNN, MA 01902-2015 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
| Date | Document |
|---|---|
| Apr 22, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LENOX FINANCIAL MORTGAGE |
| Jan 21, 2026 | Deed of Trust, Mortgage · Reverse Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Jan 21, 2026 | Quit Claim Deed, Transfer · Reverse Mortgage FINANCE AMERICA LLC |
| Feb 18, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA |
| Aug 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING AMERICAN FINANCING |
| May 24, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUAD CTY BK&TR |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 23, 2015 |
| Deed Sale | Jan 23, 2015 |
| Prior Sale | Nov 17, 1999 · Amount on Record |
| Deed Document Number | 201512300041 |
| Deed Book / Page | 33815 / 56 |
| Last Transfer Date | Nov 21, 2025 |
| Transfer Doc | 043187-522 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYNN MA |
| Property Address | 10 GRAY CIR, LYNN, MA 01902-2015 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 039797-342 |
|---|---|
| Date | Apr 22, 2021 |
| Book Page | 39797/342 |
| Instrument | 20210422006280 |
| Name | LENOX FINANCIAL MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYNN MA |
| Property Address | 10 GRAY CIR, LYNN, MA 01902-2015 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 043187-542 |
|---|---|
| Date | Jan 21, 2026 |
| Book Page | 43187/542 |
| Instrument | 20260121000280 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 997 Months |
| Due | Feb 01, 2109 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Jan 01, 2026 |
| Index | Other |
| Margin | 10 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LYNN MA |
| Recording Date | Jan 21, 2026 |
| Property Address | 10 GRAY CIR, LYNN, MA 01902-2015 |
| Document Number | 043187-522 |
| Book / Page | 43187 / 522 |
| Instrument Date | Nov 21, 2025 |
| Instrument | 20260121000260 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 10 GRAY CIR, LYNN, MA 01902-2015 |
| Document Number | 20260121000270 |
|---|---|
| Date | Jan 21, 2026 |
| Instrument | 20260121000270 |
| Name | FINANCE AMERICA LLC |
|---|---|
| Type | Subprime Lender |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 997 Months |
| Due | Feb 01, 2109 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Jan 01, 2026 |
| Index | Other |
| Margin | 10 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYNN MA |
| Property Address | 10 GRAY CIR, LYNN, MA 01902-2015 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38267-485 |
|---|---|
| Date | Feb 18, 2020 |
| Book Page | 38267/485 |
| Instrument | 20200218001570 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 01, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYNN MA |
| Property Address | 10 GRAY CIR, LYNN, MA 01902-2015 |
| Document Number | 39078-297 |
| Instrument Date | Aug 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 10 GRAY CIR LYNN MA 019022015, LYNN, MA 01902-2015 |
| Document Number | 39078-297 |
|---|---|
| Date | Oct 20, 2020 |
| Book Page | 039078/000297 |
| Instrument | 20003210 |
| Name | AMERICAN FINANCING AMERICAN FINANCING |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 19, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYNN MA |
| Property Address | 10 GRAY CIR, LYNN, MA 01902-2015 |
| Document Number | 37550-254 |
| Instrument Date | May 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10 GRAY CIR LYNN MA 019022015, LYNN, MA 01902-2015 |
| Document Number | 37550-254 |
|---|---|
| Date | May 31, 2019 |
| Book Page | 037550/000254 |
| Instrument | 190531690 |
| Name | QUAD CTY BK&TR |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 30, 2049 |
Source: Essex County and Lynn City records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| Municipality | Lynn City |
| Unified School District | Lynn School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,966.00 (+2.11%) | $672,400 (+3.78%) Land $256,700 Building $415,700 | $688,750 |
| 2024 | $6,822.00 (+7.81%) | $647,900 (+14.17%) Land $272,000 Building $375,900 | |
| 2023 | $6,328.00 | $567,500 Land $252,000 Building $315,500 |
Source: FEMA National Flood Hazard Layer, Essex County (25009C), updated July 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250092066002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 16 individual NFIP policies nearby |
| Nearby Flood Policies | 16 in force 12 of 16 on primary residences |
| Nearby Flood Claims | 11 (1979–2018) |
| Claims Outside the SFHA | 3 of 11 |
| Most Recent Claim | Aug 2018, rainfall accumulation |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026
| Historic District | Within the Diamond Historic District listed 1996 · 590 contributing resources · NRIS 96001040 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures