Essex County and Lynn City property record for 31 Spruce St, Lynn, MA 01905
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 1,448 sqft · built 1987 |
| Lot Size | 0.161 acres (7,018 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $199,000 (Dec 1989) |
| Tax Bill | $6,878 (2025) |
| Deeds & Mortgages | Sep 2023 Transfer Mar 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B:023 L:381 S:022 |
| Primary APN | B:023 L:381 S:022 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,448 sqft Living Area |
| Gross Area | 3,456 sqft |
| Basement Area | 1,404 sqft |
| Unfinished Basement | 1,404 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Split Foyer |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,018 sqft (0.161 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Oil |
| Street Address | 31 SPRUCE ST |
|---|---|
| City | LYNN |
| State | MA |
| Zip | 01905-1031 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 381 |
| Legal Lot Number | 22 |
| Jurisdiction | LYNN MA |
| Township / Civil Division | LYNN |
| Census Block Group | 4 |
| Census Block | 4010 |
| Census Tract | 205600 |
31 Spruce St is owner-occupied and held in a trust since September 2023.
Source: Essex County and Lynn City records, as of July 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 31 SPRUCE ST, LYNN, MA 01905-1031 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 |
|---|---|
| Sep 21, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Mar 2, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance SAINT JEANS CU |
| Jul 11, 2018 | Deed of Trust, Mortgage · Conventional Mortgage ST JEANS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 15, 1989 · Amount on File |
| Deed Sale | Dec 15, 1989 · Amount on File |
| Last Transfer Date | Sep 15, 2023 |
| Transfer Doc | 0041772-81 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LYNN MA |
| Recording Date | Sep 21, 2023 |
| Property Address | 31 SPRUCE ST, LYNN, MA 01905-1031 |
| Document Number | 0041772-81 |
| Book / Page | 41772 / 81 |
| Instrument Date | Sep 15, 2023 |
| Instrument | 20230921002390 |
| Transaction Type | Transfer |
| Record Updated | Oct 9, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 31 SPRUCE ST, LYNN, MA 01905-1031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYNN MA |
| Property Address | 31 SPRUCE ST, LYNN, MA 01905-1031 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 39598-182 |
|---|---|
| Date | Mar 2, 2021 |
| Book Page | 39598/182 |
| Instrument | 20210302006400 |
| Name | SAINT JEANS CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYNN MA |
| Property Address | 31 SPRUCE ST, LYNN, MA 01905-1031 |
| Document Number | 36876-112 |
| Instrument Date | Jul 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 31 SPRUCE ST LYNN MA 019051031, LYNN, MA 01905-1031 |
| Document Number | 36876-112 |
|---|---|
| Date | Jul 20, 2018 |
| Book Page | 036876/000112 |
| Instrument | 1807201660 |
| Name | ST JEANS CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 31 Spruce St was $6,878, down 0.8% from the year before.
Source: Essex County and Lynn City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| Municipality | Lynn City |
| Unified School District | Lynn School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,878.00 (-0.82%) | $663,900 (+0.8%) Land $211,900 Building $452,000 | $594,035 |
| 2024 | $6,935.00 (+5.2%) | $658,600 (+11.4%) Land $210,500 Building $448,100 | |
| 2023 | $6,592.00 | $591,200 Land $194,300 Building $396,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 31 Spruce St 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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 31 Spruce St is low, with less than 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 94% of the US · lower than 88% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 88 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 |
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