394 Summer St, Lynnfield, MA 01940 Property Records

Essex County and Lynnfield Town property record for 394 Summer St, Lynnfield, MA 01940

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,654 sqft · built 1940
Lot Size	0.296 acres (12,902 sqft)
Owner	2 Individual Names on File
Last Sale	$840,000 (Sep 2025)
Tax Bill	$8,609 (2026)
Deeds & Mortgages	Jan 2021 Refinance Dec 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`LYNF M:0035 B:0000 L:1548`

Property Details

APN / Parcel Number

Primary APN	`LYNF M:0035 B:0000 L:1548`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,654 sqft Living Area
Gross Area	2,671 sqft
Basement Area	828 sqft
Unfinished Basement	828 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,902 sqft (0.296 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	394 SUMMER ST
City	LYNNFIELD
State	MA
Zip	01940-2058
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	LAKEFIELD PARK
Legal Lot Number	1548
Jurisdiction	LYNNFIELD MA
Township / Civil Division	LYNNFIELD
Census Block Group	4
Census Block	4007
Census Tract	209100

Owner

394 Summer St is owned and occupied by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	394 SUMMER ST, LYNNFIELD, MA 01940-2058
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Dec 14, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Sep 29, 2025	Quit Claim Deed, Transfer · Conventional Mortgage NEXBANK SSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2025 · Amount on File
Deed Sale	Sep 29, 2025 · Amount on File
Prior Sale	Feb 1, 2001 · Amount on File
Deed Book / Page	42975 / 28
Prior Transfer Date	Sep 19, 2025
Prior Transfer Doc	0042975-28
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	394 SUMMER ST, LYNNFIELD, MA 01940-2058
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039419-45
Date	Jan 15, 2021
Book Page	39419/45
Instrument	20210115006410

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Feb 1, 2050

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	394 SUMMER ST, LYNNFIELD, MA 01940-2058
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040572-58
Date	Dec 14, 2021
Book Page	40572/58
Instrument	20211214000780

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jan 1, 2047

Interest

Rate Type	Adjustable Rate

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNNFIELD MA
Recording Date	Sep 29, 2025
Property Address	394 SUMMER ST, LYNNFIELD, MA 01940-2058
Document Number	0042975-28
Book / Page	42975 / 28
Instrument Date	Sep 19, 2025
Instrument	20250929002630
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount on Record
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	394 SUMMER ST, LYNNFIELD, MA 01940-2058

Mortgage

Document Number	20250929002640
Date	Sep 29, 2025
Instrument	20250929002640

Lender

Name	NEXBANK SSB

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Tax Assessment & Valuation

The 2026 property tax bill for 394 Summer St was $8,609, up 11.8% 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	$8,609.00 (+11.78%)	$751,200 (+2.99%) Land $492,500 Building $258,200	$828,046 (+14.39%)
2025	$7,702.00 (+10.52%)	$729,400 (+1%) Land $478,200 Building $251,200	$723,900
2024	$6,969.00 (-0.06%)	$663,100 (+7.45%) Land $434,700 Building $228,400
2023	$6,973.00	$617,100 Land $412,400 Building $204,700

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

Flood

FEMA maps place 394 Summer 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	9 in force
Nearby Flood Claims	10 (1979–2021)
Claims Outside the SFHA	6 of 10
Most Recent Claim	Oct 2021 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 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 394 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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