3 Willard Ln, Lynnfield, MA 01940 Property Records

Essex County and Lynnfield Town property record for 3 Willard Ln, Lynnfield, MA 01940

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,541 sqft · built 1977
Lot Size	0.344 acres (15,002 sqft)
Owner	2 Individual Names on File
Last Sale	$1,140,000 (May 2026)
Tax Bill	$12,283 (2026)
Deeds & Mortgages	Jun 2021 Refinance May 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`LYNF M:0023 B:0000 L:1469`

Property Details

APN / Parcel Number

Primary APN	`LYNF M:0023 B:0000 L:1469`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,541 sqft Living Area
Gross Area	4,470 sqft
Basement Area	1,068 sqft
Unfinished Basement	1,068 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,002 sqft (0.344 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3 WILLARD LN
City	LYNNFIELD
State	MA
Zip	01940-1735
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	1469
Jurisdiction	LYNNFIELD MA
Township / Civil Division	LYNNFIELD
Census Block Group	3
Census Block	3003
Census Tract	209200

Owner

3 Willard Ln is owned and occupied by two individuals who bought it in May 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 WILLARD LN, LYNNFIELD, MA 01940-1735
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
Jun 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKLAND TRUST CO
May 7, 2026	Quit Claim Deed, Transfer · Conventional Mortgage BANK OF AMIERCA NA
Mar 9, 2017	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Apr 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage ROCKLAND TR
Nov 13, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2026 · Amount on File
Deed Sale	May 7, 2026 · Amount on File
Deed Document Number	20261770
Deed Book / Page	43372 / 284
Prior Transfer Date	Nov 6, 2019
Prior Transfer Doc	38021-538
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	3 WILLARD LN, LYNNFIELD, MA 01940-1735
Transaction Type	Mortgage
Record Updated	May 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040016-585
Date	Jun 24, 2021
Book Page	40016/585
Instrument	20210624006050

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2041

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNNFIELD MA
Recording Date	May 7, 2026
Property Address	3 WILLARD LN, LYNNFIELD, MA 01940-1735
Document Number	043372-284
Book / Page	43372 / 284
Instrument Date	Apr 27, 2026
Instrument	2026.1770
Transaction Type	Transfer
Record Updated	May 28, 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 WILLARD LN, LYNNFIELD, MA 01940-1735

Mortgage

Date	May 7, 2026

Lender

Name	BANK OF AMIERCA NA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.38%
Max Rate	-1%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	3 WILLARD LN, LYNNFIELD, MA 01940-1735
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35726-535
Date	Mar 9, 2017
Book Page	35726/535
Instrument	311

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	3 WILLARD LN, LYNNFIELD, MA 01940-1735
Document Number	38397-270
Instrument Date	Apr 1, 2020
Transaction Type	Mortgage
Record Updated	Apr 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3 WILLARD LN LYNNFIELD MA 019401735, LYNNFIELD, MA 01940-1735

Mortgage

Document Number	38397-270
Date	Apr 6, 2020
Book Page	038397/000270
Instrument	6002290

Lender

Name	ROCKLAND TR

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNNFIELD MA
Recording Date	Nov 13, 2019
Property Address	3 WILLARD LN, LYNNFIELD, MA 01940-1735
Document Number	38021-538
Book / Page	038021 / 000538
Instrument Date	Nov 6, 2019
Instrument	1113002740
Transaction Type	Transfer
Record Updated	Dec 5, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3 WILLARD LN LYNNFIELD MA 019401735, LYNNFIELD, MA 01940-1735

Tax Assessment & Valuation

The 2026 property tax bill for 3 Willard Ln was $12,283, up 12.6% 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	$12,283.00 (+12.65%)	$1,071,800 (+3.8%) Land $603,700 Building $468,100	$1,102,929 (+7.56%)
2025	$10,904.00 (+7.21%)	$1,032,600 (+6.71%) Land $580,300 Building $452,300	$1,025,430
2024	$10,171.00 (+1.07%)	$967,700 (+8.67%) Land $542,400 Building $425,300
2023	$10,063.00	$890,500 Land $514,400 Building $376,100

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

Flood

FEMA maps place 3 Willard Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 3 Willard Ln 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 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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