18 Saunders Rd, Lynnfield, MA 01940 Property Records

Essex County and Lynnfield Town property record for 18 Saunders Rd, Lynnfield, MA 01940

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 4,362 sqft · built 1958
Lot Size	1.23 acres (53,731 sqft)
Owner	2 Individual Names on File
Last Sale	$800,000 (Aug 2016)
Tax Bill	$12,713 (2026)
Deeds & Mortgages	Sep 2025 Mortgage May 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`LYNF M:0020 B:0000 L:2274`

Property Details

APN / Parcel Number

Primary APN	`LYNF M:0020 B:0000 L:2274`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	4,362 sqft Living Area
Gross Area	6,050 sqft
Basement Area	2,090 sqft
Unfinished Basement	418 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	53,731 sqft (1.23 acres)
Garage Type	Attached
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	18 SAUNDERS RD
City	LYNNFIELD
State	MA
Zip	01940-1747
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Subdivision	LYNNFIELD CENTRE SHEET 02
Legal Lot Number	2274
Jurisdiction	LYNNFIELD MA
Township / Civil Division	LYNNFIELD
Census Block Group	3
Census Block	3003
Census Tract	209200

Owner

18 Saunders Rd is owned and occupied by two individuals who bought it in August 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	18 SAUNDERS RD, LYNNFIELD, MA 01940-1747
Occupancy	Owner Occupied
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

Date	Document
Sep 10, 2025	Deed of Trust, Mortgage · Second Mortgage (Down Payment) FREDDY CIRO
May 11, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP
Mar 15, 2018	Deed of Trust, Mortgage SAGE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2016 · Amount on File
Deed Sale	Aug 22, 2016 · Amount on File
Prior Sale	Sep 10, 1999 · Amount on File
Deed Book / Page	35192 / 57
Transfer Doc	0035192-57
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	18 SAUNDERS RD, LYNNFIELD, MA 01940-1747
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042940-80
Date	Sep 10, 2025
Book Page	42940/80
Instrument	20250910001700

Lender

Name	FREDDY CIRO

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	18 SAUNDERS RD, LYNNFIELD, MA 01940-1747
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039862-378
Date	May 11, 2021
Book Page	39862/378
Instrument	20210511001900

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	18 SAUNDERS RD, LYNNFIELD, MA 01940-1747
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36585-86
Date	Mar 15, 2018
Book Page	36585/86
Instrument	180315000620

Lender

Name	SAGE BANK

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 18 Saunders Rd was $12,713, up 11.7% 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	$12,713.00 (+11.74%)	$1,109,300 (+2.96%) Land $708,800 Building $393,900	$1,171,845 (-9.39%)
2025	$11,377.00 (+4.47%)	$1,077,400 (+3.98%) Land $688,300 Building $389,100	$1,293,330
2024	$10,890.00 (-0.95%)	$1,036,200 (+6.51%) Land $661,800 Building $374,400
2023	$10,994.00	$972,900 Land $627,800 Building $345,100

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

Flood

FEMA maps place 18 Saunders Rd in Zone X, an area of minimal flood risk, within 100 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 100 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 18 Saunders 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 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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