20 Ames St, Lynn, MA 01905 Property Records

Essex County and Lynn City property record for 20 Ames St, Lynn, MA 01905

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 595 sqft · built 1880
Lot Size	0.046 acres (2,008 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (Apr 2021)
Tax Bill	$3,359 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B:020 L:313 S:003`

Property Details

APN / Parcel Number

Primary APN	`B:020 L:313 S:003`
Alternative APN	`LYNN M:020 B:313 L:003`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	595 sqft Living Area
Gross Area	1,352 sqft
Basement Area	384 sqft
Unfinished Basement	384 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1963
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,008 sqft (0.046 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	20 AMES ST
City	LYNN
State	MA
Zip	01905-1912
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	313
Legal Lot Number	3
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	5
Census Block	5000
Census Tract	205700

Owner

Source: Essex County and Lynn City records, as of September 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	20 AMES ST, LYNN, MA 01905-1912
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2021	Quit Claim Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC
Jul 13, 2018	Deed of Trust, Mortgage LYNN CITY HOUSING
Jun 29, 2018	Quit Claim Deed, Transfer · FHA Mortgage MTG EQUITY PARTNERS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2021 · Amount on Record
Deed Sale	Apr 2, 2021 · Amount on Record
Prior Sale	Jun 29, 2018 · Amount on Record
Deed Book / Page	39725 / 340
Record Updated	Oct 29, 2026

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Apr 2, 2021
Property Address	20 AMES ST, LYNN, MA 01905-1912
Document Number	039725-340
Book / Page	39725 / 340
Instrument Date	Apr 2, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20 AMES ST, LYNN, MA 01905-1912

Mortgage

Document Number	0039725343
Date	Apr 2, 2021
Instrument	39725/343

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	20 AMES ST, LYNN, MA 01905-1912
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36859-205
Date	Jul 13, 2018
Book Page	36859/205
Instrument	180713001130

Lender

Name	LYNN CITY HOUSING

Agreement

Amount	Amount Recorded

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Jun 29, 2018
Property Address	20 AMES ST, LYNN, MA 01905-1912
Document Number	36830-522
Book / Page	36830 / 522
Instrument	180629006050
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28.53
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 AMES ST, LYNN, MA 01905-1912

Mortgage

Document Number	368300525
Date	Jun 29, 2018
Instrument	36830/0525

Lender

Name	MTG EQUITY PARTNERS

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 29, 2048

Tax Assessment & Valuation

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	$3,359.00 (+4.97%)	$324,200 (+6.68%) Land $164,600 Building $159,600	$374,300
2024	$3,200.00 (-4.9%)	$303,900 (+0.7%) Land $153,000 Building $150,900
2023	$3,365.00	$301,800 Land $169,200 Building $132,600

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

Flood

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 Record median of 19 individual policies
Nearby Flood Policies	73 units insured incl. 54 condo units
Nearby Flood Claims	12 (1996–2024)
Claims Outside the SFHA	3 of 12
Most Recent Claim	Jan 2024 · river or lake 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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