19 Cottage St, Lynn, MA 01905 Property Records

Essex County and Lynn City property record for 19 Cottage St, Lynn, MA 01905

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,020 sqft · built 1900
Lot Size	0.058 acres (2,526 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (Sep 2020)
Tax Bill	$4,668 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Mar 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B:037 L:279 S:034`

Property Details

APN / Parcel Number

Primary APN	`B:037 L:279 S:034`
Alternative APN	`LYNN M:037 B:279 L:034`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,020 sqft Living Area
Gross Area	1,685 sqft
Basement Area	578 sqft
Unfinished Basement	578 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1964
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Flat
Roof Material	Rolled Roofing
Lot Area	2,526 sqft (0.058 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	19 COTTAGE ST
City	LYNN
State	MA
Zip	01905-2306
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Block	279
Legal Lot Number	34
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	2
Census Block	2002
Census Tract	205800

Owner

19 Cottage St is owned and occupied by two individuals who bought it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	19 COTTAGE ST, LYNN, MA 01905-2306
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 9, 2020	Quit Claim Deed, Transfer · FHA Mortgage QUICKEN LNS
Mar 26, 2019	Warranty Deed, Transfer NOT AVAILABLE
Dec 31, 2018	Deed in Lieu of Foreclosure, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2020 · Amount on File
Deed Sale	Sep 9, 2020 · Amount on File
Prior Sale	Mar 26, 2019 · Amount on File
Prior Transfer Date	Aug 28, 2020
Prior Transfer Doc	0000616078
Record Updated	Oct 29, 2026

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Sep 9, 2020
Property Address	19 COTTAGE ST, LYNN, MA 01905-2306
Document Number	0000616078
Instrument Date	Aug 28, 2020
Instrument	616078
Transaction Type	Transfer
Record Updated	Sep 29, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,733.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 COTTAGE ST LYNN MA 019052306, LYNN, MA 01905-2306

Mortgage

Document Number	616079
Date	Sep 9, 2020
Instrument	616079

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 8, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYNN MA
Recording Date	Mar 26, 2019
Property Address	19 COTTAGE ST, LYNN, MA 01905-2306
Document Number	0000600604
Instrument Date	Feb 26, 2019
Instrument	600604
Transaction Type	Transfer
Record Updated	Apr 9, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$792.42
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 SUMMER ST LYNN MA 019052914, LYNN, MA 01905-2914

December 2018: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	LYNN MA
Recording Date	Dec 31, 2018
Property Address	19 COTTAGE ST, LYNN, MA 01905-2306
Document Number	0000598679
Instrument Date	Sep 17, 2018
Instrument	598679
Transaction Type	Foreclosure
Record Updated	Jan 15, 2019

Transaction

Amount	Amount on Record
Tax	$801.88
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	4425 PONCE DE LEON BLVD #5THF CORAL GABLES FL 331461837, 5THF, CORAL GABLES, FL 33146-1837

Tax Assessment & Valuation

The 2025 property tax bill for 19 Cottage St was $4,668, up 7.8% from the year before.

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	$4,668.00 (+7.81%)	$450,600 (+9.58%) Land $190,300 Building $260,300	$436,905
2024	$4,330.00 (+6.28%)	$411,200 (+12.53%) Land $174,800 Building $236,400
2023	$4,074.00	$365,400 Land $155,700 Building $209,700

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

Flood

FEMA maps place 19 Cottage St 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
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	8 (1982–2018)
Claims Outside the SFHA	1 of 8
Most Recent Claim	Aug 2018 · rainfall accumulation

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

The area around 19 Cottage 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.

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 864 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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