321 Summer St, Lynnfield, MA 01940 Property Records

Essex County and Lynnfield Town property record for 321 Summer St, Lynnfield, MA 01940

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,347 sqft · built 1905
Lot Size	1.71 acres (74,583 sqft)
Owner	Company Name on File
Last Sale	$970,000 (Jan 2026)
Tax Bill	$11,657 (2026)
Deeds & Mortgages	Mar 2021 Refinance Jun 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`LYNF M:0034 B:0000 L:1377`

Property Details

APN / Parcel Number

Primary APN	`LYNF M:0034 B:0000 L:1377`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,347 sqft Living Area
Gross Area	3,913 sqft
Basement Area	974 sqft
Unfinished Basement	974 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	74,583 sqft (1.71 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	321 SUMMER ST
City	LYNNFIELD
State	MA
Zip	01940-1831
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Subdivision	LYNNFIELD
Legal Lot Number	1377
Jurisdiction	LYNNFIELD MA
Township / Civil Division	LYNNFIELD
Census Block Group	5
Census Block	5000
Census Tract	209100

Owner

321 Summer St is owned by a company that bought it in January 2026.

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

Owner of Record	Company Name on File
Mailing Address	35 BEDFORD ST, 4, LEXINGTON, MA 02420-4438
Owner Type	Company
Vesting	Company

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
Mar 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF ENGLAND
Jun 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE CENTS SAVINGS BANK
Jan 16, 2026	Fiduciary Deed, Transfer DEDHAM INSTITUTION FOR SAVINGS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 16, 2026 · Amount on File
Deed Sale	Jan 16, 2026 · Amount on File
Prior Sale	Dec 11, 2009 · Amount on File
Deed Book / Page	43184 / 284
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	321 SUMMER ST, LYNNFIELD, MA 01940-1831
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039671-462
Date	Mar 22, 2021
Book Page	39671/462
Instrument	20210322003630

Lender

Name	BANK OF ENGLAND

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	321 SUMMER ST, LYNNFIELD, MA 01940-1831
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039932-495
Date	Jun 1, 2021
Book Page	39932/495
Instrument	20210601000390

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

January 2026: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	LYNNFIELD MA
Recording Date	Jan 16, 2026
Property Address	321 SUMMER ST, LYNNFIELD, MA 01940-1831
Document Number	043184-284
Book / Page	43184 / 284
Instrument Date	Jan 15, 2026
Instrument	20260116003200
Transaction Type	Transfer
Record Updated	Feb 4, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 BEDFORD ST STE 4, 4, LEXINGTON, MA 02420-4438

Mortgage

Document Number	20260116003220
Date	Jan 16, 2026
Instrument	20260116003220

Lender

Name	DEDHAM INSTITUTION FOR SAVINGS
Type	Funding / Finance Company

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 321 Summer St was $11,657, up 12.7% 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	$11,657.00 (+12.69%)	$1,017,200 (+3.85%) Land $623,800 Building $353,500	$995,244 (+3.36%)
2025	$10,344.00 (+1.88%)	$979,500 (+1.4%) Land $599,600 Building $379,900	$962,920
2024	$10,153.00 (+10.79%)	$966,000 (+19.11%) Land $590,700 Building $375,300
2023	$9,164.00	$811,000 Land $509,800 Building $301,200

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

Flood

FEMA maps place 321 Summer St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1999.

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	6 in force
Nearby Flood Claims	6 (1999–2014)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Dec 2014 · other causes
Claims by Event	Severe Storms And Flooding, May 2006 · 3 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 321 Summer 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 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	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 93 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

Nearby Properties on Summer St

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