103 Tracy Ave, Lynn, MA 01902 Property Records

Essex County and Lynn City property record for 103 Tracy Ave, Lynn, MA 01902

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 3,205 sqft · built 1931
Lot Size	0.098 acres (4,260 sqft)
Owner	2 Individual Names on Record
Last Sale	$399,900 (Mar 2006)
Tax Bill	$9,337 (2026)
Deeds & Mortgages	Jul 2026 Mortgage May 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`B:085 L:497 S:054`

Property Details

APN / Parcel Number

Primary APN	`B:085 L:497 S:054`
Alternative APN	`LYNN M:085 B:497 L:054`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	3 Stories
Building Area	3,205 sqft Living Area
Gross Area	5,286 sqft
Basement Area	1,260 sqft
Unfinished Basement	1,260 sqft

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1968
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asbestos
Lot Area	4,260 sqft (0.098 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	103 TRACY AVE
City	LYNN
State	MA
Zip	01902-2149
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	497
Legal Lot Number	54
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	4
Census Block	4001
Census Tract	206300

Owner

Source: Essex County and Lynn City records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	103 TRACY AVE, LYNN, MA 01902-2149
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Quit Claim Deed, Transfer · Stand-Alone First Mortgage RMA LENDING LLC
May 27, 2025	Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK
Jul 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOWELL COMMUNITY LOAN FUND INC
Apr 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOWELL COMMUNITY LOAN FUND INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2006 · Amount on Record
Deed Sale	Mar 21, 2006 · Amount on Record
Prior Sale	Oct 18, 2005 · Amount on Record
Deed Document Number	2006
Deed Book / Page	25479 / 454
Last Transfer Date	Jul 1, 2026
Transfer Doc	0000001070
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Jul 7, 2026
Property Address	103 TRACY AVE, LYNN, MA 01902-2149
Document Number	0000001070
Book / Page	43490 / 497
Instrument Date	Jul 1, 2026
Instrument	20261070
Transaction Type	Transfer
Record Updated	Jul 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	103 TRACY AVE, LYNN, MA 01902-2149

Mortgage

Date	Jul 7, 2026

Lender

Name	RMA LENDING LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate	6.51%
Max Rate	-1%

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	103 TRACY AVE, LYNN, MA 01902-2149
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042736-519
Date	May 27, 2025
Book Page	42736/519
Instrument	20250527003290

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2045

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	103 TRACY AVE, LYNN, MA 01902-2149
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040100-356
Date	Jul 21, 2021
Book Page	40100/356
Instrument	20210721000450

Lender

Name	LOWELL COMMUNITY LOAN FUND INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2036

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	103 TRACY AVE, LYNN, MA 01902-2149
Transaction Type	Mortgage
Record Updated	Apr 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39723-384
Date	Apr 2, 2021
Book Page	39723/384
Instrument	20210402001480

Lender

Name	LOWELL COMMUNITY LOAN FUND INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2031

Tax Assessment & Valuation

Source: Essex County and Lynn City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
Municipality	Lynn City
Unified School District	Lynn School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,337.00 (+9.8%)	$906,550 (+10.44%) Land $200,000 Building $706,550	$811,913
2025	$8,504.00 (+5.5%)	$820,836 (+7.23%) Land $197,400 Building $623,436
2024	$8,061.00 (+0.32%)	$765,500 (+6.23%) Land $188,000 Building $577,500
2023	$8,035.00	$720,600 Land $183,300 Building $537,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2021 · Tropical Storm Henri

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LYNN WATER AND SEWER COMM serves 101,253 people · EPA ID MA3163000
Water Source	Surface water
Last State Inspection	Nov 2023
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 992 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Starry.

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