12 Howard St, Lynn, MA 01902 Property Records

Essex County and Lynn City property record for 12 Howard St, Lynn, MA 01902

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,499 sqft · built 1905
Lot Size	0.097 acres (4,230 sqft)
Owner	Company Name on Record
Last Sale	$965,000 (Jun 2026)
Tax Bill	$7,322 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Nov 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`B:094 L:603 S:003`

Property Details

APN / Parcel Number

Primary APN	`B:094 L:603 S:003`
Alternative APN	`LYNN M:094 B:603 L:003`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,499 sqft Living Area
Gross Area	4,507 sqft
Basement Area	1,393 sqft
Unfinished Basement	1,393 sqft

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1965
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,230 sqft (0.097 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	12 HOWARD ST
City	LYNN
State	MA
Zip	01902-3008
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Legal Block	603
Legal Lot Number	3
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	1
Census Block	1002
Census Tract	206700

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	12 HOWARD ST, LYNN, MA 01902-3008
Owner Type	Company
Vesting	Not Provided

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2026	Quit Claim Deed, Transfer · FHA Mortgage RMA LENDING LLC
Nov 26, 2025	Quit Claim Deed, Transfer · Commercial Mortgage LOAN FUNDER LLC
Jun 24, 2024	Warranty Deed, Transfer
Jul 20, 2023	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2026 · Amount on Record
Deed Sale	Jun 17, 2026 · Amount on Record
Prior Sale	Nov 26, 2025 · Amount on Record
Deed Document Number	20263620
Deed Book / Page	43451 / 390
Prior Transfer Date	Nov 25, 2025
Prior Transfer Doc	043096-248
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Jun 17, 2026
Property Address	12 HOWARD ST, LYNN, MA 01902-3008
Document Number	0000003620
Book / Page	43451 / 390
Instrument Date	Jun 9, 2026
Instrument	20263620
Transaction Type	Transfer
Record Updated	Jul 7, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 HOWARD ST, LYNN, MA 01902-3008

Mortgage

Date	Jun 17, 2026

Lender

Name	RMA LENDING LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate	6.37%
Max Rate	-1%

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Nov 26, 2025
Property Address	12 HOWARD ST, LYNN, MA 01902-3008
Document Number	043096-248
Book / Page	43096 / 248
Instrument Date	Nov 25, 2025
Instrument	20251126002510
Transaction Type	Transfer
Record Updated	May 11, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 HANSON ST APT 408, 408, LYNN, MA 01905-3098
Investor	Possibly a Property Investor

Mortgage

Document Number	20251126002520
Date	Nov 26, 2025
Instrument	20251126002520

Lender

Name	LOAN FUNDER LLC

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYNN MA
Recording Date	Jun 24, 2024
Property Address	12 HOWARD ST, LYNN, MA 01902-3008
Document Number	042183-337
Book / Page	42183 / 337
Instrument Date	Jun 20, 2024
Instrument	20240624002860
Transaction Type	Transfer
Record Updated	May 11, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12 HOWARD ST, LYNN, MA 01902-3008
Investor	Possibly a Property Investor

July 2023: Foreclosure

Document Type	Foreclosure
Jurisdiction	LYNN MA
Recording Date	Jul 20, 2023
Property Address	12 HOWARD ST, LYNN, MA 01902-3008
Document Number	041669-583
Book / Page	41669 / 583
Instrument Date	Sep 8, 2022
Instrument	20230720000370
Transaction Type	Foreclosure
Record Updated	May 11, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 MORTGAGE WAY, MOUNT LAUREL, NJ 08054-4637
Investor	Possibly a Property Investor

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	$7,322.00 (+5.41%)	$706,744 (+7.15%) Land $187,000 Building $519,744	$900,242
2024	$6,946.00 (-2.38%)	$659,600 (+3.37%) Land $178,900 Building $480,700
2023	$7,115.00	$638,100 Land $191,300 Building $446,800

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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 1,066 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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