243 Summer St, Lynnfield, MA 01940 Property Records

Essex County and Lynnfield Town property record for 243 Summer St, Lynnfield, MA 01940

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,341 sqft · built 1925
Lot Size	0.427 acres (18,583 sqft)
Owner	2 Trust Names on File
Last Sale	$379,900 (Jan 2003)
Tax Bill	$10,727 (2026)
Deeds & Mortgages	Jan 2023 Refinance Jan 2025 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`LYNF M:0034 B:0000 L:0432`

Property Details

APN / Parcel Number

Primary APN	`LYNF M:0034 B:0000 L:0432`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,341 sqft Living Area
Gross Area	4,120 sqft
Basement Area	1,232 sqft
Unfinished Basement	1,232 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,583 sqft (0.427 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	243 SUMMER ST
City	LYNNFIELD
State	MA
Zip	01940-1829
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Lot Number	432
Jurisdiction	LYNNFIELD MA
Township / Civil Division	LYNNFIELD
Census Block Group	5
Census Block	5000
Census Tract	209100

Owner

243 Summer St is owner-occupied and held in a trust since September 2025.

Source: Essex County and Lynnfield Town records, as of October 20, 2026

Owner of Record	2 Trust Names on File
Mailing Address	243 SUMMER ST, LYNNFIELD, MA 01940-1829
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Jan 5, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance FIGURE LENDING LCC
Jan 28, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Sep 25, 2025	Quit Claim Deed, Transfer Quitclaim
Oct 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE EQUITY PTRS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2003 · Amount on File
Deed Sale	Jan 24, 2003 · Amount on File
Prior Sale	Jan 24, 2003 · Amount on File
Last Transfer Date	Sep 24, 2025
Transfer Doc	0000661548
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	243 SUMMER ST, LYNNFIELD, MA 01940-1829
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000641812
Date	Jan 5, 2023
Instrument	641812

Lender

Name	FIGURE LENDING LCC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	169 Months
Due	Feb 1, 2037

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	243 SUMMER ST, LYNNFIELD, MA 01940-1829
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000656553
Date	Jan 28, 2025
Instrument	656553

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Feb 1, 2054

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNNFIELD MA
Recording Date	Sep 25, 2025
Property Address	243 SUMMER ST, LYNNFIELD, MA 01940-1829
Document Number	0000661548
Instrument Date	Sep 24, 2025
Instrument	661548
Transaction Type	Transfer
Record Updated	Oct 15, 2025

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
Address	243 SUMMER ST, LYNNFIELD, MA 01940-1829

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	243 SUMMER ST, LYNNFIELD, MA 01940-1829
Document Number	0000617509
Instrument Date	Oct 9, 2020
Transaction Type	Mortgage
Record Updated	Nov 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 SUMMER ST LYNNFIELD MA 019401829, LYNNFIELD, MA 01940-1829

Mortgage

Document Number	0000617509
Date	Oct 16, 2020
Instrument	617509

Lender

Name	MORTGAGE EQUITY PTRS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 15, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 243 Summer St was $10,727, up 12.7% from the year before.

Source: Essex County and Lynnfield Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Lynnfield Town
Unified School District	Lynnfield School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,727.00 (+12.74%)	$936,000 (+3.88%) Land $559,900 Building $340,900	$959,979 (+22.35%)
2025	$9,515.00 (+1.92%)	$901,000 (+1.43%) Land $538,100 Building $362,900	$784,605
2024	$9,336.00 (+5.34%)	$888,300 (+13.26%) Land $530,200 Building $358,100
2023	$8,863.00	$784,300 Land $456,200 Building $328,100

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

Flood

FEMA maps place 243 Summer St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1999.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	6 (1999–2014)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Dec 2014 · other causes
Claims by Event	Severe Storms And Flooding, May 2006 · 3 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 243 Summer 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	LYNNFIELD CENTER WATER DISTRICT serves 8,525 people · EPA ID MA3164000
Water Source	Purchased surface water from MWRA
Last State Inspection	Oct 2023
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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