39 Ledge Rd, Lynnfield, MA 01940 Property Records

Essex County and Lynnfield Town property record for 39 Ledge Rd, Lynnfield, MA 01940

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,246 sqft · built 1993
Lot Size	0.377 acres (16,435 sqft)
Owner	2 Individual Names on Record
Last Sale	$630,000 (Mar 2021)
Tax Bill	$9,590 (2026)
Deeds & Mortgages	Mar 2021 Sale & Mortgage May 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`LYNF M:0052 B:0000 L:2092`

Property Details

APN / Parcel Number

Primary APN	`LYNF M:0052 B:0000 L:2092`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,246 sqft Living Area
Gross Area	3,028 sqft
Basement Area	936 sqft
Unfinished Basement	562 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,435 sqft (0.377 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	39 LEDGE RD
City	LYNNFIELD
State	MA
Zip	01940-1513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	LEDGE ROAD
Legal Lot Number	2092
Jurisdiction	LYNNFIELD MA
Township / Civil Division	LYNNFIELD
Census Block Group	5
Census Block	5019
Census Tract	209100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	39 LEDGE RD, LYNNFIELD, MA 01940-1513
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FBC MORTGAGE LLC
May 5, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP.
May 1, 2018	Quit Claim Deed, Transfer HARVARD UNIVERSITY EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2021 · Amount on Record
Deed Sale	Mar 18, 2021 · Amount on Record
Prior Sale	May 1, 2018 · Amount on Record
Deed Book / Page	39662 / 6
Record Updated	Oct 29, 2026

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNNFIELD MA
Recording Date	Mar 18, 2021
Property Address	39 LEDGE RD, LYNNFIELD, MA 01940-1513
Document Number	00039662-6
Book / Page	39662 / 6
Instrument Date	Mar 18, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount Recorded
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	39 LEDGE RD, LYNNFIELD, MA 01940-1513
Investor	Possibly a Property Investor

Mortgage

Document Number	0000396629
Date	Mar 18, 2021
Instrument	39662/9

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	39 LEDGE RD, LYNNFIELD, MA 01940-1513
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38486-78
Date	May 5, 2020
Book Page	38486/78
Instrument	20200505002080

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNNFIELD MA
Recording Date	May 1, 2018
Property Address	39 LEDGE RD, LYNNFIELD, MA 01940-1513
Document Number	36687-509
Book / Page	36687 / 509
Instrument	180501004650
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$72.02
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 LEDGE RD, LYNNFIELD, MA 01940-1513

Mortgage

Document Number	366870511
Date	May 1, 2018
Instrument	36687/0511

Lender

Name	HARVARD UNIVERSITY EMPLOYEES CU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

Tax Assessment & Valuation

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	$9,590.00 (+9.16%)	$836,800 (+0.59%) Land $504,900 Building $330,500	$911,842 (+6.31%)
2025	$8,785.00 (+13.19%)	$831,900 (+12.66%) Land $500,500 Building $331,400	$857,755
2024	$7,761.00 (+0.66%)	$738,400 (+8.22%) Land $442,800 Building $295,600
2023	$7,710.00	$682,300 Land $420,100 Building $262,200

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

Flood

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 WATER DIST. (MWRA) serves 4,820 people · EPA ID MA3164001
Water Source	Purchased surface water from MWRA
Last State Inspection	Jun 2024
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 235 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

May also be available: T-Mobile.

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