109 Tracy Ave, Lynn, MA 01902 Property Records

Essex County and Lynn City property record for 109 Tracy Ave, Lynn, MA 01902

Property Summary

Property Type	Duplex
Details	6 bd · 4 ba · 2,878 sqft · built 1928
Lot Size	0.097 acres (4,204 sqft)
Owner	2 Individual Names on File
Last Sale	$770,000 (Aug 2021)
Tax Bill	$8,556 (2025)
Deeds & Mortgages	Sep 2024 Refinance Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`B:085 L:497 S:056`

Property Details

APN / Parcel Number

Primary APN	`B:085 L:497 S:056`
Alternative APN	`LYNN M:085 B:497 L:056`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,878 sqft Living Area
Gross Area	4,763 sqft
Basement Area	1,107 sqft
Unfinished Basement	1,107 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1967
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	4,204 sqft (0.097 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	109 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	56
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	4
Census Block	4001
Census Tract	206300

Owner

109 Tracy Ave, a duplex, is owned and occupied by two individuals who bought it in August 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	109 TRACY AVE, LYNN, MA 01902-2149
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance ECONOMIC DEVELOPMENT CORP
Aug 25, 2021	Quit Claim Deed, Transfer · FHA Mortgage PRIME LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2021 · Amount on File
Deed Sale	Aug 25, 2021 · Amount on File
Prior Sale	May 1, 2003 · Amount on File
Deed Book / Page	40206 / 455
Prior Transfer Date	Aug 24, 2021
Prior Transfer Doc	4020000455
Record Updated	Oct 29, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	109 TRACY AVE, LYNN, MA 01902-2149
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042313-221
Date	Sep 6, 2024
Book Page	42313/221
Instrument	20240906002250

Lender

Name	ECONOMIC DEVELOPMENT CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Aug 25, 2021
Property Address	109 TRACY AVE, LYNN, MA 01902-2149
Document Number	040206-455
Book / Page	40206 / 455
Instrument Date	Aug 24, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	109 TRACY AVE, LYNN, MA 01902-2149

Mortgage

Document Number	0040206457
Date	Aug 25, 2021
Instrument	40206/457

Lender

Name	PRIME LENDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 109 Tracy Ave was $8,556, up 5.5% from the year before.

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
2025	$8,556.00 (+5.5%)	$825,853 (+7.23%) Land $197,100 Building $628,753	$830,377
2024	$8,110.00 (+0.27%)	$770,200 (+6.18%) Land $187,700 Building $582,500
2023	$8,088.00	$725,400 Land $183,000 Building $542,400

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

Flood

FEMA maps place 109 Tracy Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.

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

The area around 109 Tracy Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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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