Essex County and Lynn City property record for 11 Roy Ter, Lynn, MA 01905
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,042 sqft · built 1950 |
| Lot Size | 0.096 acres (4,164 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Oct 2022) |
| Tax Bill | $4,642 (2025) |
| Deeds & Mortgages | Jan 2023 Mortgage Oct 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B:021 L:289 S:071 |
| Primary APN | B:021 L:289 S:071 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,042 sqft Living Area |
| Gross Area | 2,104 sqft |
| Basement Area | 672 sqft |
| Unfinished Basement | 672 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,164 sqft (0.096 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 11 ROY TER |
|---|---|
| City | LYNN |
| State | MA |
| Zip | 01905-2037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 289 |
| Legal Lot Number | 71 |
| Jurisdiction | LYNN MA |
| Township / Civil Division | LYNN |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 205700 |
11 Roy Ter is owned and occupied by two individuals who bought it in October 2022.
Source: Essex County and Lynn City records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11 ROY TER, LYNN, MA 01905-2037 |
| 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.
| Date | Document |
|---|---|
| Jan 3, 2023 | Deed of Trust, Mortgage · Stand-Alone First Mortgage BRISTOL COUNTY SAVINGS BANK |
| Oct 31, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage BRISTOL COUNTY SAVINGS BANK |
| Jul 15, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LIBERTY BAIL BONDS IN |
| Jan 19, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage PAULA COLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 31, 2022 · Amount on File |
| Deed Sale | Oct 31, 2022 · Amount on File |
| Prior Sale | Jan 19, 2021 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYNN MA |
| Property Address | 11 ROY TER, LYNN, MA 01905-2037 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0041383-22 |
|---|---|
| Date | Jan 3, 2023 |
| Book Page | 41383/22 |
| Instrument | 20230103001680 |
| Name | BRISTOL COUNTY SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Feb 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LYNN MA |
| Recording Date | Oct 31, 2022 |
| Property Address | 11 ROY TER, LYNN, MA 01905-2037 |
| Document Number | 041276-145 |
| Book / Page | 41276 / 145 |
| Instrument Date | Oct 31, 2022 |
| Instrument | 20221031002630 |
| Transaction Type | Transfer |
| Record Updated | Nov 11, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 11 ROY TER, LYNN, MA 01905-2037 |
| Document Number | 221031002640 |
|---|---|
| Date | Oct 31, 2022 |
| Instrument | 221031002640 |
| Name | BRISTOL COUNTY SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYNN MA |
| Property Address | 11 ROY TER, LYNN, MA 01905-2037 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 040083-581 |
|---|---|
| Date | Jul 15, 2021 |
| Book Page | 40083/581 |
| Instrument | 20210715001980 |
| Name | LIBERTY BAIL BONDS IN |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LYNN MA |
| Recording Date | Jan 19, 2021 |
| Property Address | 11 ROY TER, LYNN, MA 01905-2037 |
| Document Number | 39426-425 |
| Book / Page | 39426 / 425 |
| Instrument Date | Oct 28, 2020 |
| Instrument | 20210119005590 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11 ROY TER, LYNN, MA 01905-2037 |
| Document Number | 210119005600 |
|---|---|
| Date | Jan 19, 2021 |
| Instrument | 210119005600 |
| Name | PAULA COLE |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 11 Roy Ter was $4,642, up 6.6% from the year before.
Source: Essex County and Lynn City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| Municipality | Lynn City |
| Unified School District | Lynn School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,642.00 (+6.57%) | $448,100 (+8.32%) Land $175,700 Building $272,400 | $406,410 |
| 2024 | $4,356.00 (-2.18%) | $413,700 (+3.58%) Land $163,400 Building $250,300 | |
| 2023 | $4,453.00 | $399,400 Land $180,600 Building $218,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11 Roy Ter in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.
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 | 2 (1996–2000) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jul 2000 · rainfall accumulation |
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 risk around 11 Roy Ter 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 614 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 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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