16 Tophet Rd, Lynnfield, MA 01940 Property Records

Essex County and Lynnfield Town property record for 16 Tophet Rd, Lynnfield, MA 01940

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,444 sqft · built 1969
Lot Size	0.972 acres (42,332 sqft)
Owner	2 Individual Names on File
Last Sale	$810,000 (Jun 2017)
Tax Bill	$14,001 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Feb 2021 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`LYNF M:0015 B:0000 L:1095`

Property Details

APN / Parcel Number

Primary APN	`LYNF M:0015 B:0000 L:1095`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,444 sqft Living Area
Gross Area	4,792 sqft
Basement Area	3,594 sqft
Finished Basement	2,246 sqft
Unfinished Basement	1,348 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	42,332 sqft (0.972 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	16 TOPHET RD
City	LYNNFIELD
State	MA
Zip	01940-1625
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Subdivision	TOPHET HILL LYNNFIELD MASS SHE
Legal Lot Number	1095
Jurisdiction	LYNNFIELD MA
Township / Civil Division	LYNNFIELD
Census Block Group	3
Census Block	3006
Census Tract	209200

Owner

16 Tophet Rd is owned and occupied by two individuals who bought it in June 2017.

Source: Essex County and Lynnfield Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	16 TOPHET RD, LYNNFIELD, MA 01940-1625
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
Aug 26, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Feb 4, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND
Jul 20, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jun 5, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Dec 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Feb 28, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI
Jun 27, 2017	Quit Claim Deed, Transfer CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2017 · Amount on File
Deed Sale	Jun 27, 2017 · Amount on File
Prior Sale	May 4, 2015
Deed Document Number	2017330
Deed Book / Page	35974 / 220
Transfer Doc	035974-220
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Recording Date	Aug 26, 2026
Property Address	16 TOPHET RD, LYNNFIELD, MA 01940-1625
Document Number	0000002020
Book / Page	43592 / 35
Instrument Date	Aug 14, 2026
Instrument	20262020
Transaction Type	Mortgage
Record Updated	Sep 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 TOPHET RD, LYNNFIELD, MA 01940-1625

Mortgage

Document Number	0000002020,
Date	Aug 26, 2026
Book Page	43592/35
Instrument	20262020

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	16 TOPHET RD, LYNNFIELD, MA 01940-1625
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039493-12
Date	Feb 4, 2021
Book Page	39493/12
Instrument	20210204000860

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Mar 1, 2046

Interest

Rate Type	Adjustable Rate

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	16 TOPHET RD, LYNNFIELD, MA 01940-1625
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36875-286
Date	Jul 20, 2018
Book Page	36875/286
Instrument	180720000570

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	16 TOPHET RD, LYNNFIELD, MA 01940-1625
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38585-188
Date	Jun 5, 2020
Book Page	38585/188
Instrument	20200605002880

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2040

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	16 TOPHET RD, LYNNFIELD, MA 01940-1625
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39348-260
Date	Dec 28, 2020
Book Page	39348/260
Instrument	20201228004880

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2041

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	16 TOPHET RD, LYNNFIELD, MA 01940-1625
Document Number	36591-359
Instrument Date	Feb 28, 2018
Transaction Type	Mortgage
Record Updated	Apr 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36591-359
Date	Mar 19, 2018
Book Page	036591/000359
Instrument	2910

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNNFIELD MA
Recording Date	Jun 27, 2017
Property Address	16 TOPHET RD, LYNNFIELD, MA 01940-1625
Document Number	35974-220
Book / Page	35974 / 220
Instrument	330
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$92.28
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 TOPHET RD, LYNNFIELD, MA 01940-1625

Mortgage

Document Number	359740224
Date	Jun 27, 2017
Instrument	35974/0224

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 27, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 16 Tophet Rd was $14,001, up 11.8% from the year before.

Source: Essex County and Lynnfield Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Lynnfield Town
Unified School District	Lynnfield School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$14,001.00 (+11.76%)	$1,221,700 (+2.98%) Land $789,600 Building $421,600	$1,298,747 (-1.63%)
2025	$12,528.00 (+3.43%)	$1,186,400 (+2.95%) Land $766,500 Building $419,900	$1,320,215
2024	$12,112.00 (+3.54%)	$1,152,400 (+11.32%) Land $744,100 Building $408,300
2023	$11,698.00	$1,035,200 Land $659,100 Building $376,100

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

Flood

FEMA maps place 16 Tophet Rd 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	6 (1979–2010)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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 16 Tophet Rd 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	LYNNFIELD CENTER WATER DISTRICT serves 8,525 people · EPA ID MA3164000
Water Source	Purchased surface water from MWRA
Last State Inspection	Oct 2023
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G and 4G LTE (outdoors only)

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