21 Carnes St, Lynn, MA 01905 Property Records

Essex County and Lynn City property record for 21 Carnes St, Lynn, MA 01905

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,316 sqft · built 1900
Lot Size	0.043 acres (1,860 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Aug 2023)
Tax Bill	$4,661 (2025)
Deeds & Mortgages	Mar 2021 Refinance Aug 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`B:038 L:320 S:023`

Property Details

APN / Parcel Number

Primary APN	`B:038 L:320 S:023`
Alternative APN	`LYNN M:038 B:320 L:023`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,316 sqft Living Area
Gross Area	2,163 sqft
Basement Area	541 sqft
Unfinished Basement	541 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1964
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,860 sqft (0.043 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	21 CARNES ST
City	LYNN
State	MA
Zip	01905-1642
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Block	320
Legal Lot Number	23
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	2
Census Block	2005
Census Tract	205900

Owner

21 Carnes St is owned and occupied by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	21 CARNES ST, LYNN, MA 01905-1642
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
Mar 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HOME POINT FINANCIAL CORPORATION
Aug 31, 2023	Quit Claim Deed, Transfer · FHA Mortgage AMERANT MORTGAGE
Oct 2, 2023	Quit Claim Deed, Transfer Quitclaim
Aug 29, 2023	Correction Deed
Jun 16, 2017	Quit Claim Deed, Transfer HOME POINT FINL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2023 · Amount on File
Deed Sale	Aug 31, 2023 · Amount on File
Prior Sale	Jun 16, 2017 · Amount on File
Deed Book / Page	41740 / 552
Transfer Doc	035946-130
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	21 CARNES ST, LYNN, MA 01905-1642
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039705-257
Date	Mar 30, 2021
Book Page	39705/257
Instrument	20210330001560

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Aug 31, 2023
Property Address	21 CARNES ST, LYNN, MA 01905-1642
Document Number	041740-552
Book / Page	41740 / 552
Instrument Date	Aug 31, 2023
Instrument	20230831002850
Transaction Type	Transfer
Record Updated	Sep 15, 2023

Transaction

Amount	Amount on Record
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	Joint Tenants with Right of Survivorship
Address	21 CARNES ST, LYNN, MA 01905-1642

Mortgage

Document Number	230831002860
Date	Aug 31, 2023
Instrument	230831002860

Lender

Name	AMERANT MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Oct 2, 2023
Property Address	21 CARNES ST, LYNN, MA 01905-1642
Document Number	041788-347
Book / Page	41788 / 347
Instrument Date	Aug 31, 2023
Instrument	20231002000990
Transaction Type	Transfer
Record Updated	Oct 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	21 CARNES ST, LYNN, MA 01905-1642

August 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	LYNN MA
Recording Date	Aug 29, 2023
Property Address	21 CARNES ST, LYNN, MA 01905-1642
Document Number	041735-245
Book / Page	41735 / 245
Instrument Date	Aug 28, 2023
Instrument	20230829002380
Record Updated	Sep 15, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	21 CARNES ST, LYNN, MA 01905-1642

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Jun 16, 2017
Property Address	21 CARNES ST, LYNN, MA 01905-1642
Document Number	35946-130
Book / Page	35946 / 130
Instrument	171
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$32.32
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 CARNES ST, LYNN, MA 01905-1642

Mortgage

Document Number	359460133
Date	Jun 16, 2017
Instrument	35946/0133

Lender

Name	HOME POINT FINL CORP

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 16, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 21 Carnes St was $4,661, down 4.6% 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	$4,661.00 (-4.62%)	$449,900 (-3.06%) Land $178,000 Building $271,900	$489,060
2024	$4,887.00 (+3.91%)	$464,100 (+10.03%) Land $167,300 Building $296,800
2023	$4,703.00	$421,800 Land $162,100 Building $259,700

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

Flood

FEMA maps place 21 Carnes St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 21 Carnes 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	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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