12 Carter Rd, Lynn, MA 01904 Property Records

Essex County and Lynn City property record for 12 Carter Rd, Lynn, MA 01904

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,404 sqft · built 1922
Lot Size	0.144 acres (6,251 sqft)
Owner	2 Individual Names on Record
Last Sale	$700,000 (Apr 2025)
Tax Bill	$6,357 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Jan 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B:072 L:175 S:020`

Property Details

APN / Parcel Number

Primary APN	`B:072 L:175 S:020`
Alternative APN	`LYNN M:072 B:175 L:020`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,404 sqft Living Area
Gross Area	2,467 sqft
Basement Area	704 sqft
Unfinished Basement	704 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1967
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,251 sqft (0.144 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	12 CARTER RD
City	LYNN
State	MA
Zip	01904-2607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	175
Legal Lot Number	20
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	2
Census Block	2004
Census Tract	205200

Owner

Source: Essex County and Lynn City records, as of July 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	12 CARTER RD, LYNN, MA 01904-2607
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2023	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Jan 18, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MORTGAGE RESEARCH CENTER LLC
Sep 26, 2017	Quit Claim Deed, Transfer CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2025 · Amount on Record
Deed Sale	Apr 18, 2025 · Amount on Record
Prior Sale	Jan 18, 2024 · Amount on Record
Deed Book / Page	42672 / 21
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	12 CARTER RD, LYNN, MA 01904-2607
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041747-283
Date	Sep 6, 2023
Book Page	41747/283
Instrument	20230906000650

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Jan 18, 2024
Property Address	12 CARTER RD, LYNN, MA 01904-2607
Document Number	041954-108
Book / Page	41954 / 108
Instrument Date	Jan 18, 2024
Instrument	20240118002400
Transaction Type	Transfer
Record Updated	Feb 2, 2024

Transaction

Amount	Amount Recorded
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	Tenants by the Entirety
Address	12 CARTER RD, LYNN, MA 01904-2607

Mortgage

Document Number	240118002430
Date	Jan 18, 2024
Instrument	240118002430

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Sep 26, 2017
Property Address	12 CARTER RD, LYNN, MA 01904-2607
Document Number	36203-181
Book / Page	36203 / 181
Instrument	140
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$45.58
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 CARTER RD, LYNN, MA 01904-2607

Mortgage

Document Number	362030183
Date	Sep 26, 2017
Instrument	36203/0183

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2047

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
2025	$6,357.00 (+4.97%)	$613,600 (+6.69%) Land $227,300 Building $386,300	$658,730
2024	$6,056.00 (+6.92%)	$575,100 (+13.21%) Land $220,800 Building $354,300
2023	$5,664.00	$508,000 Land $216,800 Building $291,200

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	7 (1978–2018)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Aug 2018 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2006 · 2 claims

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	Low lower than 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 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 397 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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