28 William St, Lynn, MA 01904 Property Records

Essex County and Lynn City property record for 28 William St, Lynn, MA 01904

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 902 sqft · built 1951
Lot Size	0.126 acres (5,502 sqft)
Owner	2 Individual Names on File
Last Sale	$447,000 (Mar 2022)
Tax Bill	$4,877 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Apr 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B:073 L:194 S:035`

Property Details

APN / Parcel Number

Primary APN	`B:073 L:194 S:035`
Alternative APN	`LYNN M:073 B:194 L:035`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	902 sqft Living Area
Gross Area	2,021 sqft
Basement Area	886 sqft
Unfinished Basement	886 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1971
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,502 sqft (0.126 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	28 WILLIAM ST
City	LYNN
State	MA
Zip	01904-2503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	194
Legal Lot Number	35
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	5
Census Block	5002
Census Tract	205200

Owner

28 William St is owned and occupied by two individuals who bought it in March 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	28 WILLIAM ST, LYNN, MA 01904-2503
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 17, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MEMBER ADVANTAGE MORTGAGE LLC
Apr 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP
Apr 24, 2019	Deed of Trust, Mortgage · Balloon Mortgage SALEM FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2022 · Amount on File
Deed Sale	Mar 17, 2022 · Amount on File
Prior Sale	Jan 31, 2002 · Amount on File
Record Updated	Oct 29, 2026

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Mar 17, 2022
Property Address	28 WILLIAM ST, LYNN, MA 01904-2503
Document Number	040797-482
Book / Page	40797 / 482
Instrument Date	Mar 17, 2022
Instrument	20220317002300
Transaction Type	Transfer
Record Updated	Apr 1, 2022

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	28 WILLIAM ST, LYNN, MA 01904-2503

Mortgage

Document Number	220317002310
Date	Mar 17, 2022
Instrument	220317002310

Lender

Name	MEMBER ADVANTAGE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	28 WILLIAM ST, LYNN, MA 01904-2503
Transaction Type	Mortgage
Record Updated	Apr 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39748-412
Date	Apr 9, 2021
Book Page	39748/412
Instrument	20210409001420

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	May 1, 2041

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	28 WILLIAM ST, LYNN, MA 01904-2503
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37458-241
Date	Apr 24, 2019
Book Page	37458/241
Instrument	20190424000150

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 28 William St was $4,877, up 4.4% 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	$4,877.00 (+4.39%)	$470,800 (+6.11%) Land $202,400 Building $268,400	$495,805
2024	$4,672.00 (-0.57%)	$443,700 (+5.29%) Land $196,600 Building $247,100
2023	$4,699.00	$421,400 Land $193,000 Building $228,400

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

Flood

FEMA maps place 28 William St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.

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	2 in force
Nearby Flood Claims	5 (1979–1983)
Most Recent Claim	Aug 1983 · rainfall accumulation

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 28 William 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	Indirect within 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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