281 Ocean St, Apt 3, Lynn, MA 01902 Property Records

Essex County and Lynn City property record for 281 Ocean St, Apt 3, Lynn, MA 01902

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 595 sqft · built 1865
Lot Size	0.404 acres (17,585 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Dec 2022)
Tax Bill	$3,333 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Mar 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`LYNN M:081 B:576 L:010 S:003`

Property Details

APN / Parcel Number

Primary APN	`LYNN M:081 B:576 L:010 S:003`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Units	4 Units
Stories	3 Stories
Building Area	595 sqft Living Area
Gross Area	730 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

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, 3
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 3 is owned and occupied by an individual who bought it in December 2022.

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, 3, LYNN, MA 01902-3264
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2022	Condominium Deed, Transfer · Stand-Alone First Mortgage MOVEMENT MORTGAGE
Mar 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance REPUBLIC STATE MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2022 · Amount on File
Deed Sale	Dec 1, 2022 · Amount on File
Prior Sale	Jun 11, 2018 · Amount on File
Record Updated	Sep 20, 2026

December 2022: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	LYNN MA
Recording Date	Dec 1, 2022
Property Address	281 OCEAN ST APT 3, 3, LYNN, MA 01902-3264
Document Number	041330-348
Book / Page	41330 / 348
Instrument Date	Dec 1, 2022
Instrument	20221201002560
Transaction Type	Transfer
Record Updated	Dec 16, 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
Address	281 OCEAN ST # UT3, UT3, LYNN, MA 01902-3264

Mortgage

Document Number	221201002570
Date	Dec 1, 2022
Instrument	221201002570

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	281 OCEAN ST APT 3, 3, LYNN, MA 01902-3264
Transaction Type	Mortgage
Record Updated	Apr 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39684-167
Date	Mar 24, 2021
Book Page	39684/167
Instrument	20210324005410

Lender

Name	REPUBLIC STATE MORTGAGE CO

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 281 Ocean St, Apt 3 was $3,333, 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	$3,333.00 (+4.42%)	$321,700 (+6.14%) Building $321,700	$346,655
2024	$3,192.00 (+30.29%)	$303,100 (+37.96%) Building $303,100
2023	$2,450.00	$219,700 Building $219,700

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 3 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 3 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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