2 Charing Cross, Lynnfield, MA 01940 Property Records

Essex County and Lynnfield Town property record for 2 Charing Cross, Lynnfield, MA 01940

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,394 sqft · built 1973
Lot Size	0.965 acres (42,040 sqft)
Owner	2 Individual Names on File
Last Sale	$682,000 (Feb 2015)
Tax Bill	$14,759 (2026)
Deeds & Mortgages	Jul 2025 Mortgage Sep 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`LYNF M:0019 B:0000 L:2341`

Property Details

APN / Parcel Number

Primary APN	`LYNF M:0019 B:0000 L:2341`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,394 sqft Living Area
Gross Area	4,588 sqft
Basement Area	1,354 sqft
Unfinished Basement	1,354 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	42,040 sqft (0.965 acres)
Garage Type	Attached
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	2 CHARING CROSS
City	LYNNFIELD
State	MA
Zip	01940-2404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Lot Number	2341
Jurisdiction	LYNNFIELD MA
Township / Civil Division	LYNNFIELD
Census Block Group	3
Census Block	3000
Census Tract	209200

Owner

2 Charing Cross is owned and occupied by two individuals who bought it in February 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	2 CHARING CROSS, LYNNFIELD, MA 01940-2404
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
Jul 22, 2025	Deed of Trust, Mortgage · Conventional Mortgage SALEM FIVE MORTGAGE CORP
Sep 11, 2025	Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK
Sep 10, 2019	Deed of Trust, Mortgage · Line of Credit RIVER WORKS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2015 · Amount on File
Deed Sale	Feb 6, 2015 · Amount on File
Deed Book / Page	33840 / 10
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	2 CHARING CROSS, LYNNFIELD, MA 01940-2404
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042843-64
Date	Jul 22, 2025
Book Page	42843/64
Instrument	20250722001080

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2040

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	2 CHARING CROSS, LYNNFIELD, MA 01940-2404
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042942-455
Date	Sep 11, 2025
Book Page	42942/455
Instrument	20250911002010

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	2 CHARING CROSS, LYNNFIELD, MA 01940-2404
Document Number	37847-578
Instrument Date	Sep 10, 2019
Transaction Type	Mortgage
Record Updated	Oct 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 CHARING CROSS LYNNFIELD MA 019402404, LYNNFIELD, MA 01940-2404

Mortgage

Document Number	37847-578
Date	Sep 17, 2019
Book Page	037847/000578
Instrument	1909171450

Lender

Name	RIVER WORKS CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 16, 2044

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 2 Charing Cross was $14,759, 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	$14,759.00 (+11.68%)	$1,287,900 (+2.92%) Land $750,000 Building $526,600	$1,306,372 (+16.19%)
2025	$13,215.00 (+3.36%)	$1,251,400 (+2.87%) Land $728,100 Building $523,300	$1,124,325
2024	$12,785.00 (+4.9%)	$1,216,500 (+12.79%) Land $706,800 Building $509,700
2023	$12,188.00	$1,078,600 Land $626,100 Building $452,500

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

Flood

FEMA maps place 2 Charing Cross in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.

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
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 2 Charing Cross 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 78 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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