3 Freeman St, Lynnfield, MA 01940 Property Records

Essex County and Lynnfield Town property record for 3 Freeman St, Lynnfield, MA 01940

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,636 sqft · built 1979
Lot Size	0.689 acres (30,000 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Aug 2006)
Tax Bill	$13,738 (2026)
Deeds & Mortgages	Jul 2022 Line of Credit Nov 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`LYNF M:0032 B:0000 L:2772`

Property Details

APN / Parcel Number

Primary APN	`LYNF M:0032 B:0000 L:2772`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	4,636 sqft Living Area
Gross Area	8,662 sqft
Basement Area	4,111 sqft
Unfinished Basement	3,083 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Contemporary
Exterior Material	Brick
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	30,000 sqft (0.689 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3 FREEMAN ST
City	LYNNFIELD
State	MA
Zip	01940-2535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Subdivision	FREEMAN STREET EXT
Legal Lot Number	2772
Jurisdiction	LYNNFIELD MA
Township / Civil Division	LYNNFIELD
Census Block Group	4
Census Block	4021
Census Tract	209200

Owner

3 Freeman St is owned and occupied by two individuals who bought it in August 2006.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 FREEMAN ST, LYNNFIELD, MA 01940-2535
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 11, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Nov 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Jan 12, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI
Jan 23, 2017	Quit Claim Deed, Transfer CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2006 · Amount on File
Deed Sale	Aug 24, 2006 · Amount on File
Deed Book / Page	26013 / 549
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	3 FREEMAN ST, LYNNFIELD, MA 01940-2535
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041055-482
Date	Jul 11, 2022
Book Page	41055/482
Instrument	20220711000090

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	3 FREEMAN ST, LYNNFIELD, MA 01940-2535
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40460-306
Date	Nov 8, 2021
Book Page	40460/306
Instrument	20211108001660

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

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

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	3 FREEMAN ST, LYNNFIELD, MA 01940-2535
Document Number	36496-58
Book / Page	036496 / 000058
Instrument Date	Jan 12, 2018
Transaction Type	Mortgage
Record Updated	Feb 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36496-58
Date	Jan 26, 2018
Book Page	036496/000058
Instrument	1801264800

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNNFIELD MA
Recording Date	Jan 23, 2017
Property Address	3 FREEMAN ST, LYNNFIELD, MA 01940-2535
Document Number	35628-382
Book / Page	035628 / 000382
Instrument Date	Jan 17, 2017
Instrument	1701230151
Transaction Type	Transfer
Record Updated	Feb 16, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3 FREEMAN ST LYNNFIELD MA 019402535, LYNNFIELD, MA 01940-2535

Mortgage

Document Number	35628-385
Date	Jan 23, 2017
Book Page	035628/000385
Instrument	1701230152

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 22, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 3 Freeman St was $13,738, up 10.3% 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	$13,738.00 (+10.26%)	$1,198,800 (+1.6%) Land $559,600 Building $627,000	$1,352,148 (-17.97%)
2025	$12,460.00 (+7.21%)	$1,179,900 (+6.7%) Land $549,300 Building $630,600	$1,648,440
2024	$11,622.00 (-2.48%)	$1,105,800 (+4.85%) Land $513,400 Building $592,400
2023	$11,917.00	$1,054,600 Land $513,400 Building $541,200

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

Flood

FEMA maps place 3 Freeman St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2001.

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	4 (2001–2011)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Oct 2011 · Severe Storm

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 3 Freeman 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	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 90 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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