16 Ray St, Lynn, MA 01905 Property Records

Essex County and Lynn City property record for 16 Ray St, Lynn, MA 01905

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,206 sqft · built 1900
Lot Size	0.194 acres (8,468 sqft)
Owner	Individual Name on Record
Last Sale	$163,000 (Apr 2010)
Tax Bill	$5,065 (2025)
Deeds & Mortgages	Feb 2021 Refinance May 2019 Mortgage
Flood Zone	Zone AE (high risk)
APN	`B:036 L:789 S:003`

Property Details

APN / Parcel Number

Primary APN	`B:036 L:789 S:003`
Alternative APN	`LYNN M:036 B:789 L:003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,206 sqft Living Area
Gross Area	2,381 sqft
Basement Area	772 sqft
Unfinished Basement	772 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1964
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,468 sqft (0.194 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	16 RAY ST
City	LYNN
State	MA
Zip	01905-2716
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Block	789
Legal Lot Number	3
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	1
Census Block	1019
Census Tract	207200

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	16 RAY ST, LYNN, MA 01905-2716
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
May 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2010 · Amount on Record
Deed Sale	Apr 9, 2010 · Amount on Record
Deed Book / Page	29386 / 21
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	16 RAY ST, LYNN, MA 01905-2716
Transaction Type	Mortgage
Record Updated	Mar 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39572-250
Date	Feb 25, 2021
Book Page	39572/250
Instrument	20210225001140

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	16 RAY ST, LYNN, MA 01905-2716
Document Number	37550-215
Instrument Date	May 24, 2019
Transaction Type	Mortgage
Record Updated	Jun 18, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 RAY ST LYNN MA 019052716, LYNN, MA 01905-2716

Mortgage

Document Number	37550-215
Date	May 31, 2019
Book Page	037550/000215
Instrument	190531670

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 30, 2049

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	$5,065.00 (+5.45%)	$488,900 (+7.19%) Land $225,000 Building $263,900	$473,575
2024	$4,803.00 (+6.99%)	$456,100 (+13.29%) Land $206,800 Building $249,300
2023	$4,489.00	$402,600 Land $184,200 Building $218,400

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 88 individual policies
Nearby Flood Policies	90 units insured incl. 2 condo units
Nearby Flood Claims	82 (1979–2025)
Claims Outside the SFHA	29 of 82
Most Recent Claim	Jan 2025 · rainfall accumulation
Claims by Event	Extreme Weather Conditons And Flooding, Oct 1996 · 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	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 137 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: Starry, T-Mobile.

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