20 Carter Rd, Lynn, MA 01904 Property Records

Essex County and Lynn City property record for 20 Carter Rd, Lynn, MA 01904

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,397 sqft · built 1922
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Last Sale	$195,000 (Dec 2010)
Tax Bill	$5,886 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Oct 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`B:072 L:175 S:017`

Property Details

APN / Parcel Number

Primary APN	`B:072 L:175 S:017`
Alternative APN	`LYNN M:072 B:175 L:017`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,397 sqft Living Area
Gross Area	2,624 sqft
Basement Area	732 sqft
Unfinished Basement	732 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1967
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,001 sqft (0.115 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	20 CARTER RD
City	LYNN
State	MA
Zip	01904-2607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	175
Legal Lot Number	17
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	2
Census Block	2004
Census Tract	205200

Owner

20 Carter Rd is owned and occupied by two individuals who bought it in December 2010.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 CARTER RD, LYNN, MA 01904-2607
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
Apr 11, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) READING COOPERATIVE BANK
Oct 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance COASTAL HERITAGE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2010 · Amount on File
Deed Sale	Dec 31, 2010 · Amount on File
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	20 CARTER RD, LYNN, MA 01904-2607
Transaction Type	Mortgage
Record Updated	Apr 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041513-523
Date	Apr 11, 2023
Book Page	41513/523
Instrument	20230411000520

Lender

Name	READING COOPERATIVE BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	May 1, 2038

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	20 CARTER RD, LYNN, MA 01904-2607
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39120-18
Date	Oct 30, 2020
Book Page	39120/18
Instrument	20201030001850

Lender

Name	COASTAL HERITAGE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 20 Carter Rd was $5,886, up 5.5% 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	$5,886.00 (+5.46%)	$568,100 (+7.19%) Land $229,400 Building $338,700	$568,955
2024	$5,581.00 (+1.92%)	$530,000 (+7.92%) Land $222,900 Building $307,100
2023	$5,476.00	$491,100 Land $218,900 Building $272,200

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

Flood

FEMA maps place 20 Carter 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
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	7 (1978–2018)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Aug 2018 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2006 · 2 claims

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 20 Carter Rd is low, with less than 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 93% of the US · lower than 83% 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 397 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 / 250
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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