Essex County and Lynn City property record for 185 Chatham St, Lynn, MA 01902
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,523 sqft · built 1915 |
| Lot Size | 0.081 acres (3,541 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,793 (2025) |
| Deeds & Mortgages | Jul 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | B:095 L:478 S:025 |
| Primary APN | B:095 L:478 S:025 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,523 sqft Living Area |
| Gross Area | 2,489 sqft |
| Basement Area | 778 sqft |
| Unfinished Basement | 778 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,541 sqft (0.081 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 185 CHATHAM ST |
|---|---|
| City | LYNN |
| State | MA |
| Zip | 01902-2222 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Block | 478 |
| Legal Lot Number | 25 |
| Jurisdiction | LYNN MA |
| Township / Civil Division | LYNN |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 206400 |
185 Chatham St is owned and occupied by two individuals who acquired it in June 2003.
Source: Essex County and Lynn City records, as of July 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 185 CHATHAM ST, LYNN, MA 01902-2222 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 25, 2003 |
| Deed Sale | Jun 25, 2003 |
| Prior Sale | Jul 1, 2002 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYNN MA |
| Property Address | 185 CHATHAM ST, LYNN, MA 01902-2222 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0040094-83 |
|---|---|
| Date | Jul 19, 2021 |
| Book Page | 40094/83 |
| Instrument | 20210719002780 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2036 |
The 2025 property tax bill for 185 Chatham St was $4,793, up 7.2% from the year before.
Source: Essex County and Lynn City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| Municipality | Lynn City |
| Unified School District | Lynn School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,793.00 (+7.15%) | $462,600 (+8.9%) Land $168,900 Building $293,700 | $556,985 |
| 2024 | $4,473.00 (+6.12%) | $424,800 (+12.38%) Land $160,500 Building $264,300 | |
| 2023 | $4,215.00 | $378,000 Land $146,200 Building $231,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 185 Chatham St in Zone X, an area of minimal flood risk.
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.
The area around 185 Chatham 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 1,213 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: Starry, T-Mobile.
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