12 Chestnut Ave, Lynn, MA 01902 Property Records

Essex County and Lynn City property record for 12 Chestnut Ave, Lynn, MA 01902

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 2,239 sqft · built 1910
Lot Size	0.095 acres (4,138 sqft)
Owner	Individual Name on File
Last Sale	$525,000 (Apr 2023)
Tax Bill	$7,645 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Oct 2023 Refinance + 5 more
Flood Zone	Zone X (minimal risk)
APN	`B:083 L:712 S:004`

Property Details

APN / Parcel Number

Primary APN	`B:083 L:712 S:004`
Alternative APN	`LYNN M:083 B:712 L:004`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	3 Stories
Building Area	2,239 sqft Living Area
Gross Area	3,634 sqft
Basement Area	882 sqft
Unfinished Basement	882 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1965
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,138 sqft (0.095 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	12 CHESTNUT AVE
City	LYNN
State	MA
Zip	01902-2814
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R4
Legal Block	712
Legal Lot Number	4
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	1
Census Block	1004
Census Tract	206300

Owner

12 Chestnut Ave, a duplex, is owned by an individual who acquired it in October 2023.

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

Owner of Record	Individual Name on File
Mailing Address	46 HARRIS ST, 1-1, PEABODY, MA 01960-4450
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
Jan 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Oct 5, 2023	Quit Claim Deed, Transfer · Stand-Alone Refinance READING COOPERATIVE BANK
Jan 19, 2023	Deed of Trust, Mortgage · Stand-Alone First Mortgage DAVID TREGONING
Jan 19, 2023	Deed of Trust, Mortgage · Stand-Alone First Mortgage MICHAEL J RICHARDS
Apr 18, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAMBRIDGE SAVINGS BANK
Jan 18, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MICHAEL J RICHARDS
Dec 2, 2019	Deed of Trust, Mortgage · Line of Credit BROOKLINE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2023 · Amount on File
Deed Sale	Apr 18, 2023 · Amount on File
Prior Sale	Jan 18, 2023 · Amount on File
Deed Document Number	202320230418004450
Deed Book / Page	41525 / 6
Last Transfer Date	Oct 5, 2023
Transfer Doc	041794-540
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	12 CHESTNUT AVE, LYNN, MA 01902-2814
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043185-48
Date	Jan 16, 2026
Book Page	43185/48
Instrument	20260116004300

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Oct 5, 2023
Property Address	12 CHESTNUT AVE, LYNN, MA 01902-2814
Document Number	041794-538
Book / Page	41794 / 538
Instrument Date	Oct 5, 2023
Instrument	20231005002200
Transaction Type	Transfer
Record Updated	Oct 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	222 ESSEX ST, LYNN, MA 01902-2389

Mortgage

Document Number	041794-540
Date	Oct 5, 2023
Book Page	41794/540
Instrument	20231005002210

Lender

Name	READING COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	12 CHESTNUT AVE, LYNN, MA 01902-2814
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081174-233
Date	Jan 19, 2023
Book Page	81174/233
Instrument	6223

Lender

Name	DAVID TREGONING

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	12 CHESTNUT AVE, LYNN, MA 01902-2814
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081174-250
Date	Jan 19, 2023
Book Page	81174/250
Instrument	6224

Lender

Name	MICHAEL J RICHARDS

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Apr 18, 2023
Property Address	12 CHESTNUT AVE, LYNN, MA 01902-2814
Document Number	00041525-6
Book / Page	41525 / 6
Instrument Date	Apr 18, 2023
Instrument	20230418004450
Transaction Type	Transfer
Record Updated	May 5, 2023

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
Address	46 HARRIS ST # 1, 1, PEABODY, MA 01960-4450

Mortgage

Document Number	230418004460
Date	Apr 18, 2023
Instrument	230418004460

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Jan 18, 2023
Property Address	12 CHESTNUT AVE, LYNN, MA 01902-2814
Document Number	041404-299
Book / Page	41404 / 299
Instrument Date	Jan 18, 2023
Instrument	20230118002810
Transaction Type	Transfer
Record Updated	Feb 3, 2023

Transaction

Amount	Amount 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
Address	100 CORPORATE PL STE 505, 505, PEABODY, MA 01960-3892

Mortgage

Document Number	230118002830
Date	Jan 18, 2023
Instrument	230118002830

Lender

Name	MICHAEL J RICHARDS

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	041404-302
Date	Jan 18, 2023
Book Page	41404/302
Instrument	20230118002820

Lender

Name	DAVID TREGONING

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	12 CHESTNUT AVE, LYNN, MA 01902-2814
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38074-57
Date	Dec 2, 2019
Book Page	38074/57
Instrument	20191202000180

Lender

Name	BROOKLINE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 12 Chestnut Ave was $7,645, up 32.4% 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	$7,645.00 (+32.36%)	$737,928 (+34.54%) Land $197,100 Building $540,828	$783,004
2024	$5,776.00 (-0.89%)	$548,500 (+4.94%) Land $177,900 Building $370,600
2023	$5,828.00	$522,700 Land $177,900 Building $344,800

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

Flood

FEMA maps place 12 Chestnut Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

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 (1979)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 1979 · tidal / storm surge

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 12 Chestnut 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 1,213 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

May also be available: Starry, T-Mobile.

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