109 Walnut St, Lynn, MA 01905 Property Records

Essex County and Lynn City property record for 109 Walnut St, Lynn, MA 01905

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,197 sqft · built 1900
Lot Size	0.181 acres (7,876 sqft)
Owner	2 Individual Names on File
Last Sale	$335,000 (Oct 2017)
Tax Bill	$5,189 (2025)
Deeds & Mortgages	May 2022 Refinance Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B:039 L:232 S:026`

Property Details

APN / Parcel Number

Primary APN	`B:039 L:232 S:026`
Alternative APN	`LYNN M:039 B:232 L:026`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,197 sqft Living Area
Gross Area	2,267 sqft
Basement Area	744 sqft
Unfinished Basement	744 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1964
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,876 sqft (0.181 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	109 WALNUT ST
City	LYNN
State	MA
Zip	01905-1169
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	232
Legal Lot Number	26
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	2
Census Block	2002
Census Tract	205900

Owner

109 Walnut St is owned and occupied by two individuals who bought it in October 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	109 WALNUT ST, LYNN, MA 01905-1169
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
May 4, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance HARVARD UNIVERSITY CREDIT UNION
Jul 29, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 12, 2017	Quit Claim Deed, Transfer · FHA Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2017 · Amount on File
Deed Sale	Oct 12, 2017 · Amount on File
Prior Sale	Sep 29, 2006 · Amount on File
Deed Book / Page	36249 / 33
Transfer Doc	0036249-33
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	109 WALNUT ST, LYNN, MA 01905-1169
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040912-142
Date	May 4, 2022
Book Page	40912/142
Instrument	20220504002450

Lender

Name	HARVARD UNIVERSITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	109 WALNUT ST, LYNN, MA 01905-1169
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38762-14
Date	Jul 29, 2020
Book Page	38762/14
Instrument	20200729000830

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Oct 12, 2017
Property Address	109 WALNUT ST, LYNN, MA 01905-1169
Document Number	36249-33
Book / Page	036249 / 000033
Instrument Date	Oct 12, 2017
Instrument	1710120547
Transaction Type	Transfer
Record Updated	Oct 31, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,527.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 WALNUT ST LYNN MA 019051169, LYNN, MA 01905-1169

Mortgage

Document Number	36249-35
Date	Oct 12, 2017
Book Page	036249/000035
Instrument	1710120548

Lender

Name	PRIME LNDG

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 11, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 109 Walnut St was $5,189, up 4.8% 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	$5,189.00 (+4.79%)	$500,900 (+6.51%) Land $205,600 Building $295,300	$545,775
2024	$4,952.00 (-2.63%)	$470,300 (+3.11%) Land $191,200 Building $279,100
2023	$5,086.00	$456,100 Land $211,400 Building $244,700

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

Flood

FEMA maps place 109 Walnut St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 109 Walnut St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 822 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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