Essex County and Lynnfield Town property record for 3 Carter Rd, Lynnfield, MA 01940
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 4,200 sqft · built 1860 |
| Lot Size | 0.346 acres (15,050 sqft) |
| Owner | Individual Name on File |
| Last Sale | $787,500 (Nov 2017) |
| Tax Bill | $12,938 (2026) |
| Deeds & Mortgages | Apr 2021 Refinance May 2020 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | LYNF M:0024 B:0000 L:1643 |
| Primary APN | LYNF M:0024 B:0000 L:1643 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 4,200 sqft Living Area |
| Gross Area | 6,269 sqft |
| Basement Area | 700 sqft |
| Unfinished Basement | 434 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1860 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,050 sqft (0.346 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3 CARTER RD |
|---|---|
| City | LYNNFIELD |
| State | MA |
| Zip | 01940-1713 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Subdivision | LYNNFIELD CENTER |
| Legal Lot Number | 1643 |
| Jurisdiction | LYNNFIELD MA |
| Township / Civil Division | LYNNFIELD |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 209200 |
3 Carter Rd is owned and occupied by an individual who bought it in November 2017.
Source: Essex County and Lynnfield Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3 CARTER RD, LYNNFIELD, MA 01940-1713 |
| 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.
| Date | Document |
|---|---|
| Apr 21, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK |
| May 26, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK |
| Oct 21, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK |
| Nov 15, 2017 | Quit Claim Deed, Transfer RANDOLPH SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 15, 2017 · Amount on File |
| Deed Sale | Nov 15, 2017 · Amount on File |
| Prior Sale | Dec 29, 2016 · Amount on File |
| Deed Book / Page | 36333 / 395 |
| Transfer Doc | 036333-395 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYNNFIELD MA |
| Property Address | 3 CARTER RD, LYNNFIELD, MA 01940-1713 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 039790-285 |
|---|---|
| Date | Apr 21, 2021 |
| Book Page | 39790/285 |
| Instrument | 20210421002990 |
| Name | ENVISION BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYNNFIELD MA |
| Property Address | 3 CARTER RD, LYNNFIELD, MA 01940-1713 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38546-88 |
|---|---|
| Date | May 26, 2020 |
| Book Page | 38546/88 |
| Instrument | 20200526001590 |
| Name | ENVISION BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYNNFIELD MA |
| Property Address | 3 CARTER RD, LYNNFIELD, MA 01940-1713 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 37951-136 |
|---|---|
| Date | Oct 21, 2019 |
| Book Page | 37951/136 |
| Instrument | 20191021003390 |
| Name | ENVISION BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LYNNFIELD MA |
| Recording Date | Nov 15, 2017 |
| Property Address | 3 CARTER RD, LYNNFIELD, MA 01940-1713 |
| Document Number | 36333-395 |
| Book / Page | 36333 / 395 |
| Instrument | 171115004790 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $63.31 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 CARTER RD, LYNNFIELD, MA 01940-1713 |
| Document Number | 363330398 |
|---|---|
| Date | Nov 15, 2017 |
| Instrument | 36333/0398 |
| Name | RANDOLPH SAVINGS BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 15, 2047 |
The 2026 property tax bill for 3 Carter Rd was $12,938, up 11.8% from the year before.
Source: Essex County and Lynnfield Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Lynnfield Town |
| Unified School District | Lynnfield School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $12,938.00 (+11.76%) | $1,129,000 (+2.98%) Land $581,000 Building $548,000 | $1,313,641 (+8.18%) |
| 2025 | $11,577.00 (+4.49%) | $1,096,300 (+3.99%) Land $564,200 Building $532,100 | $1,214,290 |
| 2024 | $11,080.00 (+1.44%) | $1,054,200 (+9.06%) Land $542,500 Building $511,700 | |
| 2023 | $10,923.00 | $966,600 Land $514,500 Building $452,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Carter Rd in Zone X, an area of minimal flood risk, though there have been 6 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 | 4 in force |
| Nearby Flood Claims | 6 (1979–2010) |
| Claims Outside the SFHA | 5 of 6 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
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 risk around 3 Carter Rd 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 |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 194 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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