20 Moray St, Lynn, MA 01904 Property Records

Essex County and Lynn City property record for 20 Moray St, Lynn, MA 01904

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,518 sqft · built 1905
Lot Size	0.267 acres (11,609 sqft)
Owner	2 Individual Names on File
Last Sale	$83,000 (Mar 1995)
Tax Bill	$5,806 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jun 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`B:090 L:099 S:001`

Property Details

APN / Parcel Number

Primary APN	`B:090 L:099 S:001`
Alternative APN	`LYNN M:090 B:099 L:001`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,518 sqft Living Area
Gross Area	2,419 sqft
Basement Area	670 sqft
Unfinished Basement	670 sqft

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1929
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,609 sqft (0.267 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	20 MORAY ST
City	LYNN
State	MA
Zip	01904-1840
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	99
Legal Lot Number	1
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	1
Census Block	1008
Census Tract	205300

Owner

20 Moray St is owned and occupied by two individuals who bought it in March 1995.

Source: Essex County and Lynn City records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20 MORAY ST, LYNN, MA 01904-1840
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
Jun 24, 2026	Deed of Trust, Mortgage · Line of Credit
Jun 25, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LCC
Jan 5, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance NEWREZ LLC
Jan 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NEWREZ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 1995 · Amount on File
Deed Sale	Mar 30, 1995 · Amount on File
Deed Book / Page	12968 / 247
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Recording Date	Jun 24, 2026
Property Address	20 MORAY ST, LYNN, MA 01904-1840
Document Number	0000000350
Book / Page	43461 / 409
Instrument Date	Jun 18, 2026
Instrument	2026350
Transaction Type	Mortgage
Record Updated	Jul 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 MORAY ST, LYNN, MA 01904-1840

Mortgage

Document Number	0000000350,
Date	Jun 24, 2026
Book Page	43461/409
Instrument	2026350

Lender

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.51%
Max Rate	-1%

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	20 MORAY ST, LYNN, MA 01904-1840
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042792-514
Date	Jun 25, 2025
Book Page	42792/514
Instrument	20250625000630

Lender

Name	FIGURE LENDING LCC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2040

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	20 MORAY ST, LYNN, MA 01904-1840
Transaction Type	Mortgage
Record Updated	Jan 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040635-585
Date	Jan 5, 2022
Book Page	40635/585
Instrument	20220105003880

Lender

Name	NEWREZ LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	20 MORAY ST, LYNN, MA 01904-1840
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39415-483
Date	Jan 15, 2021
Book Page	39415/483
Instrument	20210115002990

Lender

Name	NEWREZ LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Feb 1, 2031

Tax Assessment & Valuation

The 2025 property tax bill for 20 Moray St was $5,806, up 1.9% 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	$5,806.00 (+1.91%)	$560,400 (+3.59%) Land $228,600 Building $331,800	$584,915
2024	$5,697.00 (+1.59%)	$541,000 (+7.55%) Land $227,100 Building $313,900
2023	$5,608.00	$503,000 Land $227,100 Building $275,900

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

Flood

FEMA maps place 20 Moray St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 20 Moray St 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	Direct burnable vegetation

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 472 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

May also be available: Astound Broadband.

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