Essex County and Lynnfield Town property record for 321 Main St, Lynnfield, MA 01940
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 4,792 sqft · built 1876 |
| Lot Size | 0.819 acres (35,697 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,451,000 (May 2022) |
| Tax Bill | $18,098 (2026) |
| Deeds & Mortgages | Jan 2021 Refinance May 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | LYNF M:0028 B:0000 L:2485 |
| Primary APN | LYNF M:0028 B:0000 L:2485 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 4,792 sqft Living Area |
| Gross Area | 8,451 sqft |
| Basement Area | 2,599 sqft |
| Finished Basement | 1,733 sqft |
| Unfinished Basement | 866 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1876 |
|---|---|
| Effective Year Built | Effective 1876 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 35,697 sqft (0.819 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 321 MAIN ST |
|---|---|
| City | LYNNFIELD |
| State | MA |
| Zip | 01940-2516 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RB |
| Legal Subdivision | LAND LYNNFIELD |
| Legal Lot Number | 2485 |
| Jurisdiction | LYNNFIELD MA |
| Township / Civil Division | LYNNFIELD |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 209200 |
321 Main St is owned and occupied by two individuals who bought it in May 2022.
Source: Essex County and Lynnfield Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 321 MAIN ST, LYNNFIELD, MA 01940-2516 |
| 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.
| Date | Document |
|---|---|
| Jan 21, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP |
| May 4, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage FIRST REPUBLIC BANK |
| Aug 23, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage US BANK NA |
| Aug 31, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage CHARLES M LAWRY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 4, 2022 · Amount on File |
| Deed Sale | May 4, 2022 · Amount on File |
| Prior Sale | Aug 23, 2019 · Amount on File |
| Deed Book / Page | 40912 / 374 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYNNFIELD MA |
| Property Address | 321 MAIN ST, LYNNFIELD, MA 01940-2516 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 039439-381 |
|---|---|
| Date | Jan 21, 2021 |
| Book Page | 39439/381 |
| Instrument | 20210121006060 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LYNNFIELD MA |
| Recording Date | May 4, 2022 |
| Property Address | 321 MAIN ST, LYNNFIELD, MA 01940-2516 |
| Document Number | 040912-374 |
| Book / Page | 40912 / 374 |
| Instrument Date | May 4, 2022 |
| Instrument | 20220504003010 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 78 EDWARD ST # 78, 78, MEDFORD, MA 02155-6656 |
| Document Number | 220504003020 |
|---|---|
| Date | May 4, 2022 |
| Instrument | 220504003020 |
| Name | FIRST REPUBLIC BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LYNNFIELD MA |
| Recording Date | Aug 23, 2019 |
| Property Address | 321 MAIN ST, LYNNFIELD, MA 01940-2516 |
| Document Number | 37782-3 |
| Book / Page | 37782 / 3 |
| Instrument Date | Aug 23, 2019 |
| Instrument | 20190823006520 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 133 UPHAM ST, MELROSE, MA 02176-3547 |
| Document Number | 190823006530 |
|---|---|
| Date | Aug 23, 2019 |
| Instrument | 190823006530 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LYNNFIELD MA |
| Recording Date | Aug 31, 2017 |
| Property Address | 321 MAIN ST, LYNNFIELD, MA 01940-2516 |
| Document Number | 36148-264 |
| Book / Page | 036148 / 000264 |
| Instrument Date | Aug 28, 2017 |
| Instrument | 1708310739 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2017 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,644.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4 THOMAS DR READING MA 018671066, READING, MA 01867-1066 |
| Document Number | 36148-268 |
|---|---|
| Date | Aug 31, 2017 |
| Book Page | 036148/000268 |
| Instrument | 1708310740 |
| Name | CHARLES M LAWRY |
|---|---|
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 321 Main St was $18,098, up 11.8% from the year before.
Source: Essex County and Lynnfield Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Lynnfield Town |
| Unified School District | Lynnfield School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $18,098.00 (+11.79%) | $1,579,200 (+3.01%) Land $567,500 Building $1,011,700 | $1,682,959 (+1.38%) |
| 2025 | $16,190.00 (+10.52%) | $1,533,100 (+9.99%) Land $550,900 Building $982,200 | $1,660,030 |
| 2024 | $14,649.00 (-3.52%) | $1,393,800 (+3.73%) Land $500,900 Building $892,900 | |
| 2023 | $15,184.00 | $1,343,700 Land $475,200 Building $868,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 321 Main 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 · 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 | 2 in force |
| Nearby Flood Claims | 1 (2025) |
| Most Recent Claim | Sep 2025 · rainfall accumulation |
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 risk around 321 Main 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 | 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 80 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
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