12 Cottage St, Lynn, MA 01905 Property Records

Essex County and Lynn City property record for 12 Cottage St, Lynn, MA 01905

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,642 sqft · built 1873
Lot Size	0.093 acres (4,034 sqft)
Owner	2 Individual Names on File
Last Sale	$480,000 (May 2019)
Tax Bill	$6,671 (2025)
Deeds & Mortgages	Jan 2021 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`B:037 L:280 S:013`

Property Details

APN / Parcel Number

Primary APN	`B:037 L:280 S:013`
Alternative APN	`LYNN M:037 B:280 L:013`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	3 Stories
Building Area	2,642 sqft Living Area
Gross Area	3,976 sqft
Basement Area	840 sqft
Unfinished Basement	840 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1873
Effective Year Built	Effective 1963
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,034 sqft (0.093 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	12 COTTAGE ST
City	LYNN
State	MA
Zip	01905-2307
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R4
Legal Block	280
Legal Lot Number	13
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	2
Census Block	2007
Census Tract	205800

Owner

12 Cottage St, a duplex, is owned and occupied by two individuals who bought it in May 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	12 COTTAGE ST, LYNN, MA 01905-2307
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
Jan 6, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
May 20, 2019	Quit Claim Deed, Transfer · FHA Mortgage FINANCE AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2019 · Amount on File
Deed Sale	May 20, 2019 · Amount on File
Prior Sale	Dec 14, 2016 · Amount on File
Prior Transfer Date	May 16, 2019
Prior Transfer Doc	0000602038
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	12 COTTAGE ST, LYNN, MA 01905-2307
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000620445
Date	Jan 6, 2021
Instrument	620445

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	Feb 1, 2049

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	May 20, 2019
Property Address	12 COTTAGE ST, LYNN, MA 01905-2307
Document Number	0000602038
Instrument Date	May 16, 2019
Instrument	602038
Transaction Type	Transfer
Record Updated	Jun 5, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,188.80
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	20 NICHOLS ST SWAMPSCOTT MA 019071034, SWAMPSCOTT, MA 01907-1034

Mortgage

Document Number	602039
Date	May 20, 2019
Instrument	602039

Lender

Name	FINANCE AMERICA
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 19, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 12 Cottage St was $6,671, up 6.5% 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	$6,671.00 (+6.55%)	$643,875 (+8.29%) Land $199,100 Building $444,775	$692,212
2024	$6,261.00 (+2.88%)	$594,600 (+8.94%) Land $182,900 Building $411,700
2023	$6,086.00	$545,800 Land $162,900 Building $382,900

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

Flood

FEMA maps place 12 Cottage St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	8 (1982–2018)
Claims Outside the SFHA	1 of 8
Most Recent Claim	Aug 2018 · 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

The area around 12 Cottage St 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 864 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: AT&T, Starry, T-Mobile.

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