3 Richard St, Lynn, MA 01905 Property Records

Essex County and Lynn City property record for 3 Richard St, Lynn, MA 01905

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,434 sqft · built 1900
Lot Size	0.09 acres (3,925 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Dec 2017)
Tax Bill	$6,056 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Dec 2017 Sale
Flood Zone	Zone AE (high risk)
APN	`B:036 L:788 S:003`

Property Details

APN / Parcel Number

Primary APN	`B:036 L:788 S:003`
Alternative APN	`LYNN M:036 B:788 L:003`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,434 sqft Living Area
Gross Area	2,512 sqft
Basement Area	804 sqft
Unfinished Basement	804 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1964
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,925 sqft (0.09 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3 RICHARD ST
City	LYNN
State	MA
Zip	01905-2803
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R4
Legal Block	788
Legal Lot Number	3
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	1
Census Block	1009
Census Tract	207200

Owner

3 Richard St, a duplex, is owned by two individuals who bought it in December 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	19 HOUSTON AVE, SAUGUS, MA 01906-1709
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
Sep 9, 2025	Deed of Trust, Mortgage · Line of Credit BANKESB
Dec 13, 2017	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2017 · Amount on File
Deed Sale	Dec 13, 2017 · Amount on File
Prior Sale	Dec 11, 2015 · Amount on File
Deed Book / Page	36402 / 376
Transfer Doc	36402-376
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	3 RICHARD ST, LYNN, MA 01905-2803
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042937-270
Date	Sep 9, 2025
Book Page	42937/270
Instrument	20250909001650

Lender

Name	BANKESB

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Dec 13, 2017
Property Address	3 RICHARD ST, LYNN, MA 01905-2803
Document Number	36402-376
Book / Page	036402 / 000376
Instrument Date	Dec 7, 2017
Instrument	1712133150
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Amount	Amount on Record
Tax	$912.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 HOUSTON AVE SAUGUS MA 019061709, SAUGUS, MA 01906-1709

Tax Assessment & Valuation

The 2025 property tax bill for 3 Richard St was $6,056, up 6.6% 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	$6,056.00 (+6.56%)	$584,560 (+8.31%) Land $198,500 Building $386,060	$647,401
2024	$5,683.00 (+3.01%)	$539,700 (+9.07%) Land $182,400 Building $357,300
2023	$5,517.00	$494,800 Land $162,400 Building $332,400

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

Flood

FEMA maps place 3 Richard St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 88 individual policies
Nearby Flood Policies	90 units insured incl. 2 condo units
Nearby Flood Claims	82 (1979–2025)
Claims Outside the SFHA	29 of 82
Most Recent Claim	Jan 2025 · rainfall accumulation
Claims by Event	Extreme Weather Conditons And Flooding, Oct 1996 · 2 claims

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

The area around 3 Richard St 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 · 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: Starry, T-Mobile.

Nearby Properties on Richard St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures