38 Carter Rd, Lynnfield, MA 01940 Property Records

Essex County and Lynnfield Town property record for 38 Carter Rd, Lynnfield, MA 01940

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,097 sqft · built 1977
Lot Size	0.345 acres (15,041 sqft)
Owner	2 Individual Names on File
Last Sale	$1,000,000 (Jul 2024)
Tax Bill	$10,729 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Jan 2023 Refinance
Flood Zone	Zone X (minimal risk)
APN	`LYNF M:0024 B:0000 L:0841`

Property Details

APN / Parcel Number

Primary APN	`LYNF M:0024 B:0000 L:0841`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,097 sqft Living Area
Gross Area	3,901 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	15,041 sqft (0.345 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	38 CARTER RD
City	LYNNFIELD
State	MA
Zip	01940-1756
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	841
Jurisdiction	LYNNFIELD MA
Township / Civil Division	LYNNFIELD
Census Block Group	3
Census Block	3003
Census Tract	209200

Owner

38 Carter Rd is owned and occupied by two individuals who bought it in July 2024.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	38 CARTER RD, LYNNFIELD, MA 01940-1756
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage RMA LENDING LLC
Jan 23, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2024 · Amount on File
Deed Sale	Jul 19, 2024 · Amount on File
Deed Document Number	20243120
Deed Book / Page	42227 / 307
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Recording Date	Apr 22, 2026
Property Address	38 CARTER RD, LYNNFIELD, MA 01940-1756
Document Number	043343-143
Book / Page	43343 / 143
Instrument Date	Apr 17, 2026
Instrument	20261720
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 CARTER RD, LYNNFIELD, MA 01940-1756

Mortgage

Document Number	0000001720,
Date	Apr 22, 2026
Book Page	43343/143
Instrument	20261720

Lender

Name	RMA LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	38 CARTER RD, LYNNFIELD, MA 01940-1756
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041408-419
Date	Jan 23, 2023
Book Page	41408/419
Instrument	20230123000850

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

Tax Assessment & Valuation

The 2026 property tax bill for 38 Carter Rd was $10,729, up 12.5% 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	$10,729.00 (+12.48%)	$936,200 (+3.64%) Land $581,000 Building $355,200	$1,054,306 (+13.22%)
2025	$9,539.00 (+4.79%)	$903,300 (+4.3%) Land $564,200 Building $339,100	$931,190
2024	$9,103.00 (+0.51%)	$866,100 (+8.06%) Land $542,500 Building $323,600
2023	$9,057.00	$801,500 Land $514,500 Building $287,000

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

Flood

FEMA maps place 38 Carter Rd 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 38 Carter Rd 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

Nearby Properties on Carter Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures