40 Carter Rd, Lynn, MA 01904 Property Records

Essex County and Lynn City property record for 40 Carter Rd, Lynn, MA 01904

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,655 sqft · built 1923
Lot Size	0.115 acres (5,009 sqft)
Owner	2 Individual Names on Record
Last Sale	$615,000 (Sep 2026)
Tax Bill	$6,687 (2025)
Deeds & Mortgages	Sep 2026 Second Mortgage Sep 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B:086 L:175 S:009`

Property Details

APN / Parcel Number

Primary APN	`B:086 L:175 S:009`
Alternative APN	`LYNN M:086 B:175 L:009`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,655 sqft Living Area
Gross Area	3,068 sqft
Basement Area	748 sqft
Unfinished Basement	748 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1967
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,009 sqft (0.115 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	40 CARTER RD
City	LYNN
State	MA
Zip	01904-2607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	175
Legal Lot Number	9
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	2
Census Block	2004
Census Tract	205200

Owner

Source: Essex County and Lynn City records, as of October 7, 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	40 CARTER RD, LYNN, MA 01904-2607
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CROSSCOUNTRY MORTGAGE
Sep 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Sep 14, 2026	Quit Claim Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2026 · Amount on Record
Deed Sale	Sep 14, 2026 · Amount on Record
Deed Document Number	2026240
Deed Book / Page	43625 / 593
Prior Transfer Date	Sep 2, 2026
Prior Transfer Doc	0000000240
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Recording Date	Sep 14, 2026
Property Address	40 CARTER RD, LYNN, MA 01904-2607
Document Number	0000000260
Book / Page	43625 / 616
Instrument Date	Sep 11, 2026
Instrument	2026260
Transaction Type	Mortgage
Record Updated	Oct 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 CARTER RD, LYNN, MA 01904-2607

Mortgage

Document Number	0000000260,
Date	Sep 14, 2026
Book Page	43625/616
Instrument	2026260

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2041

Interest

Max Rate	-1%

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Recording Date	Sep 14, 2026
Property Address	40 CARTER RD, LYNN, MA 01904-2607
Document Number	0000000250
Book / Page	43625 / 599
Instrument Date	Sep 2, 2026
Instrument	2026250
Transaction Type	Mortgage
Record Updated	Oct 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship, 153
Address	40 CARTER RD, LYNN, MA 01904-2607

Mortgage

Document Number	0000000250,
Date	Sep 14, 2026
Book Page	43625/599
Instrument	2026250

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Sep 14, 2026
Property Address	40 CARTER RD, LYNN, MA 01904-2607
Document Number	0000000240
Book / Page	43625 / 593
Instrument Date	Sep 2, 2026
Instrument	2026240
Transaction Type	Transfer
Record Updated	Oct 6, 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	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	40 CARTER RD, LYNN, MA 01904-2607

Mortgage

Date	Sep 14, 2026

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Max Rate	-1%

Tax Assessment & Valuation

Source: Essex County and Lynn City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
Municipality	Lynn City
Unified School District	Lynn School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,687.00 (+6.08%)	$645,500 (+7.82%) Land $209,500 Building $436,000	$597,170
2024	$6,304.00 (+0.99%)	$598,700 (+6.95%) Land $203,600 Building $395,100
2023	$6,242.00	$559,800 Land $209,400 Building $350,400

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	7 (1978–2018)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Aug 2018 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2006 · 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

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	LYNN WATER AND SEWER COMM serves 101,253 people · EPA ID MA3163000
Water Source	Surface water
Last State Inspection	Nov 2023
Lead	2 ppb (2021–2023) 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 397 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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