20 Cedar St, Lynn, MA 01905 Property Records

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

Property Summary

Property Type	Duplex
Details	8 bd · 4 ba · 4,120 sqft · built 1915
Lot Size	0.098 acres (4,256 sqft)
Owner	Individual Name on Record
Last Sale	$695,000 (Aug 2020)
Tax Bill	$9,333 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B:054 L:319 S:014`

Property Details

APN / Parcel Number

Primary APN	`B:054 L:319 S:014`
Alternative APN	`LYNN M:054 B:319 L:014`

Interior

Bedrooms	8 Beds
Full Baths	4 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	3 Stories
Building Area	4,120 sqft Living Area
Gross Area	6,602 sqft
Basement Area	1,576 sqft
Unfinished Basement	1,576 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1916
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,256 sqft (0.098 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	20 CEDAR ST
City	LYNN
State	MA
Zip	01905-1609
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R4
Legal Block	319
Legal Lot Number	14
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	1
Census Block	1011
Census Tract	205900

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	20 CEDAR ST, LYNN, MA 01905-1609
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2026	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Oct 6, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 10, 2020	Quit Claim Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2020 · Amount on Record
Deed Sale	Aug 10, 2020 · Amount on Record
Prior Sale	Nov 30, 2015 · Amount on Record
Deed Book / Page	38806 / 15
Prior Transfer Date	Jul 17, 2020
Prior Transfer Doc	3880000015
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Recording Date	Apr 27, 2026
Property Address	20 CEDAR ST, LYNN, MA 01905-1609
Document Number	043351-389
Book / Page	43351 / 389
Instrument Date	Apr 3, 2026
Instrument	20263670
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CEDAR ST, LYNN, MA 01905-1609

Mortgage

Document Number	0000003670,
Date	Apr 27, 2026
Book Page	43351/389
Instrument	20263670

Lender

Name	EASTERN BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	20 CEDAR ST, LYNN, MA 01905-1609
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040353-71
Date	Oct 6, 2021
Book Page	40353/71
Instrument	20211006000850

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Nov 1, 2050

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Aug 10, 2020
Property Address	20 CEDAR ST, LYNN, MA 01905-1609
Document Number	38806-15
Book / Page	38806 / 15
Instrument Date	Jul 17, 2020
Instrument	20200810005110
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Address	20 CEDAR ST, LYNN, MA 01905-1609

Mortgage

Document Number	200810005120
Date	Aug 10, 2020
Instrument	200810005120

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

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	$9,333.00 (+6.02%)	$900,879 (+7.76%) Land $181,800 Building $719,079	$895,976
2024	$8,803.00 (+0.72%)	$836,000 (+6.65%) Land $170,800 Building $665,200
2023	$8,740.00	$783,900 Land $165,600 Building $618,300

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

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.

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	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 920 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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