12 Cliff St, #2, Lynn, MA 01905 Property Records

Essex County and Lynn City property record for 12 Cliff St, #2, Lynn, MA 01905

Property Summary

Property Type	Condominium
Details	6 bd · 2 ba · 1,821 sqft · built 2019
Lot Size	0.276 acres (12,001 sqft)
Owner	2 Individual Names on File
Last Sale	$535,000 (Nov 2021)
Tax Bill	$6,654 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`LYNN M:039 B:235 L:010 S:002`

Property Details

APN / Parcel Number

Primary APN	`LYNN M:039 B:235 L:010 S:002`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	1,821 sqft Living Area
Gross Area	2,102 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,001 sqft (0.276 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	12 CLIFF ST, 2
City	LYNN
State	MA
Zip	01905-1126
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R2
Legal Block	235
Legal Lot Number	10
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	1
Census Block	1003
Census Tract	205700

Owner

12 Cliff St, #2 is owned by two individuals who bought it in November 2021.

Source: Essex County and Lynn City records, as of April 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12 CLIFF ST, 2, LYNN, MA 01905-1126
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2021 · Amount on File
Deed Sale	Nov 24, 2021 · Amount on File
Deed Book / Page	40520 / 95
Record Updated	Jun 8, 2026

November 2021: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	LYNN MA
Recording Date	Nov 24, 2021
Property Address	12 CLIFF ST # 2, 2, LYNN, MA 01905-1126
Document Number	0040520-95
Book / Page	40520 / 95
Instrument Date	Nov 23, 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	12 CLIFF ST # 14, 14, LYNN, MA 01905-1126

Mortgage

Document Number	0004052098
Date	Nov 24, 2021
Instrument	40520/98

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 12 Cliff St, #2 was $6,654, up 6.9% 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
2025	$6,654.00 (+6.89%)	$642,300 (+8.64%) Building $642,300
2024	$6,225.00 (+8.17%)	$591,200 (+14.55%) Building $591,200
2023	$5,755.00	$516,100 Building $516,100

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 12 Cliff St, #2 in Zone X, an area of minimal flood risk.

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 Policies	1 in force

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

Wildfire risk around 12 Cliff St, #2 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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