3 Westover Dr, Lynnfield, MA 01940 Property Records

Essex County and Lynnfield Town property record for 3 Westover Dr, Lynnfield, MA 01940

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 5,614 sqft · built 1979
Lot Size	0.689 acres (30,000 sqft)
Owner	2 Individual Names on File
Last Sale	$1,700,000 (Feb 2021)
Tax Bill	$23,070 (2026)
Deeds & Mortgages	Oct 2021 Refinance Oct 2021 Refinance + 5 more
Flood Zone	Zone X (minimal risk)
APN	`LYNF M:0029 B:0000 L:1275`

Property Details

APN / Parcel Number

Primary APN	`LYNF M:0029 B:0000 L:1275`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	5,614 sqft Living Area
Gross Area	10,205 sqft
Basement Area	2,560 sqft
Unfinished Basement	1,960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Raised
Roof Type	Hip
Roof Material	Asphalt
Lot Area	30,000 sqft (0.689 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3 WESTOVER DR
City	LYNNFIELD
State	MA
Zip	01940-1834
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Subdivision	PLAN 21086-D
Legal Lot Number	1275
Jurisdiction	LYNNFIELD MA
Township / Civil Division	LYNNFIELD
Census Block Group	4
Census Block	4001
Census Tract	209100

Owner

3 Westover Dr is owned and occupied by two individuals who bought it in February 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 WESTOVER DR, LYNNFIELD, MA 01940-1834
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Oct 14, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU
Oct 14, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU
Mar 28, 2025	Deed of Trust, Mortgage · Line of Credit RIVER WORKS CREDIT UNION
Feb 5, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage JEANNE D ARC CU
Nov 14, 2017	Quit Claim Deed, Transfer Quitclaim
Oct 2, 2017	Deed of Trust, Mortgage FIRST CHOICE LN SVCS
Nov 3, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2021 · Amount on File
Deed Sale	Feb 5, 2021 · Amount on File
Prior Sale	Nov 14, 2017
Deed Book / Page	39497 / 207
Prior Transfer Date	Jan 19, 2021
Prior Transfer Doc	3949000207
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	3 WESTOVER DR, LYNNFIELD, MA 01940-1834
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040377-263
Date	Oct 14, 2021
Book Page	40377/263
Instrument	20211014000990

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

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

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	3 WESTOVER DR, LYNNFIELD, MA 01940-1834
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040377-281
Date	Oct 14, 2021
Book Page	40377/281
Instrument	20211014001000

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2046

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	3 WESTOVER DR, LYNNFIELD, MA 01940-1834
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042637-298
Date	Mar 28, 2025
Book Page	42637/298
Instrument	20250328003500

Lender

Name	RIVER WORKS CREDIT UNION

Agreement

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

Interest

Rate Type	Adjustable Rate

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNNFIELD MA
Recording Date	Feb 5, 2021
Property Address	3 WESTOVER DR, LYNNFIELD, MA 01940-1834
Document Number	039497-207
Book / Page	39497 / 207
Instrument Date	Jan 19, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

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
Relationship	Tenants by the Entirety
Address	3 WESTOVER DR, LYNNFIELD, MA 01940-1834

Mortgage

Document Number	0039497212
Date	Feb 5, 2021
Instrument	39497/212

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Mar 1, 2028
Max Rate At Change	2.75%
Index	1-Year CMT

Mortgage

Document Number	039497-234
Date	Feb 5, 2021
Book Page	39497/234
Instrument	20210205002070

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	301 Months
Due	Mar 1, 2046

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNNFIELD MA
Recording Date	Nov 14, 2017
Property Address	3 WESTOVER DR, LYNNFIELD, MA 01940-1834
Document Number	0000587951
Instrument Date	Oct 18, 2017
Instrument	587951
Transaction Type	Transfer
Record Updated	Dec 5, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3 WESTOVER DR LYNNFIELD MA 019401834, LYNNFIELD, MA 01940-1834

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	3 WESTOVER DR, LYNNFIELD, MA 01940-1834
Document Number	36286-49
Book / Page	036286 / 000049
Instrument Date	Oct 2, 2017
Transaction Type	Mortgage
Record Updated	Nov 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36286-49
Date	Oct 27, 2017
Book Page	036286/000049
Instrument	1710273720

Lender

Name	FIRST CHOICE LN SVCS
Type	Funding / Finance Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 26, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNNFIELD MA
Recording Date	Nov 3, 2017
Property Address	3 WESTOVER DR, LYNNFIELD, MA 01940-1834
Document Number	36306-276
Book / Page	036306 / 000276
Instrument Date	Oct 8, 2015
Instrument	1711030740
Transaction Type	Transfer
Record Updated	Nov 21, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3 WESTOVER DR LYNNFIELD MA 019401834, LYNNFIELD, MA 01940-1834

Tax Assessment & Valuation

The 2026 property tax bill for 3 Westover Dr was $23,070, up 15.8% 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	$23,070.00 (+15.82%)	$2,013,100 (+6.72%) Land $760,200 Building $1,250,900	$2,037,157 (-2.73%)
2025	$19,919.00 (+3.41%)	$1,886,300 (+2.92%) Land $711,800 Building $1,174,500	$2,094,370
2024	$19,262.00 (+5.37%)	$1,832,700 (+13.28%) Land $691,100 Building $1,141,600
2023	$18,281.00	$1,617,800 Land $612,100 Building $1,005,700

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

Flood

FEMA maps place 3 Westover Dr in Zone X, an area of minimal flood risk, though there have been 10 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	9 in force
Nearby Flood Claims	10 (1979–2021)
Claims Outside the SFHA	6 of 10
Most Recent Claim	Oct 2021 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 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

Wildfire risk around 3 Westover Dr 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	Direct burnable vegetation

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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