281 Ocean St, Apt 2, Lynn, MA 01902 Property Records

Essex County and Lynn City property record for 281 Ocean St, Apt 2, Lynn, MA 01902

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 750 sqft · built 1865
Lot Size	0.404 acres (17,585 sqft)
Owner	Individual Name on File
Last Sale	$345,000 (Apr 2024)
Tax Bill	$3,934 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Nov 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`LYNN M:081 B:576 L:010 S:002`

Property Details

APN / Parcel Number

Primary APN	`LYNN M:081 B:576 L:010 S:002`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Units	4 Units
Stories	3 Stories
Building Area	750 sqft Living Area
Gross Area	890 sqft

Exterior

Year Built	Built 1865
Effective Year Built	Effective 1865
Architectural Style	Condo/Apartment
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Mansard
Roof Material	Slate
Lot Area	17,585 sqft (0.404 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	281 OCEAN ST, 2
City	LYNN
State	MA
Zip	01902-3264
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R2
Legal Block	576
Legal Lot Number	10
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	4
Census Block	4008
Census Tract	206700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Diamond Historic District listed 1996 · 590 contributing resources · NRIS 96001040

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

281 Ocean St, Apt 2 is owned and occupied by an individual who bought it in April 2024.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	281 OCEAN ST, 2, LYNN, MA 01902-3264
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2024	Condominium Deed, Transfer · Stand-Alone First Mortgage CMG MORTGAGE INC
Nov 10, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Jul 31, 2019	Condominium Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2024 · Amount on File
Deed Sale	Apr 5, 2024 · Amount on File
Prior Sale	Jul 31, 2019 · Amount on File
Record Updated	Sep 20, 2026

April 2024: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	LYNN MA
Recording Date	Apr 5, 2024
Property Address	281 OCEAN ST APT 2, 2, LYNN, MA 01902-3264
Document Number	042055-133
Book / Page	42055 / 133
Instrument Date	Apr 5, 2024
Instrument	20240405000580
Transaction Type	Transfer
Record Updated	Apr 19, 2024

Transaction

Amount	Amount 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	281 OCEAN ST APT 2, 2, LYNN, MA 01902-3264

Mortgage

Document Number	240405000590
Date	Apr 5, 2024
Instrument	240405000590

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	042055-158
Date	Apr 5, 2024
Book Page	42055/158
Instrument	20240405000600

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	May 1, 2039

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	281 OCEAN ST APT 2, 2, LYNN, MA 01902-3264
Transaction Type	Mortgage
Record Updated	Nov 24, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041294-455
Date	Nov 10, 2022
Book Page	41294/455
Instrument	20221110000180

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

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

July 2019: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	LYNN MA
Recording Date	Jul 31, 2019
Property Address	281 OCEAN ST APT 2, 2, LYNN, MA 01902-3264
Document Number	37717-124
Book / Page	037717 / 000124
Instrument Date	Jul 29, 2019
Instrument	1907317420
Transaction Type	Transfer
Record Updated	Aug 20, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$1,231.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 OCEAN ST #2 LYNN MA 019023264, 2, LYNN, MA 01902-3264

Tax Assessment & Valuation

The 2025 property tax bill for 281 Ocean St, Apt 2 was $3,934, up 2.1% 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	$3,934.00 (+2.08%)	$379,700 (+3.74%) Building $379,700	$321,860
2024	$3,854.00 (+18.44%)	$366,000 (+25.43%) Building $366,000
2023	$3,254.00	$291,800 Building $291,800

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

Flood

FEMA maps place 281 Ocean St, Apt 2 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

The area around 281 Ocean St, Apt 2 has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land 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 137 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: Starry, T-Mobile.

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