40 High Rock St, Lynn, MA 01902 Property Records

Essex County and Lynn City property record for 40 High Rock St, Lynn, MA 01902

Property Summary

Property Type	Duplex
Details	5 bd · 3 ba · 2,556 sqft · built 1890
Lot Size	0.078 acres (3,406 sqft)
Owner	Company Name on Record
Last Sale	$287,500 (Aug 2014)
Tax Bill	$8,022 (2025)
Deeds & Mortgages	Jan 2021 Refinance Apr 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B:069 L:662 S:005`

Property Details

APN / Parcel Number

Primary APN	`B:069 L:662 S:005`
Alternative APN	`LYNN M:069 B:662 L:005`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	3 Stories
Building Area	2,556 sqft Living Area
Gross Area	4,246 sqft
Basement Area	1,025 sqft
Unfinished Basement	1,025 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1963
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Slate
Lot Area	3,406 sqft (0.078 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	40 HIGH ROCK ST
City	LYNN
State	MA
Zip	01902-4048
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Legal Block	662
Legal Lot Number	5
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	3
Census Block	3004
Census Tract	206200

Owner

Source: Essex County and Lynn City 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	Company Name on Record
Mailing Address	29 CHAPMAN ST, 2, CANTON, MA 02021-2001
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FINANCE AMERICA LLC
Apr 16, 2021	Deed of Trust, Mortgage · Line of Credit SHARON AND CRESCENT UNITED CREDIT UNION
May 4, 2023	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2014 · Amount on Record
Deed Sale	Aug 15, 2014 · Amount on Record
Prior Sale	Mar 28, 2012 · Amount on Record
Deed Book / Page	33479 / 19
Last Transfer Date	May 3, 2023
Transfer Doc	041550-120
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	40 HIGH ROCK ST, LYNN, MA 01902-4048
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039448-10
Date	Jan 25, 2021
Book Page	39448/10
Instrument	20210125003780

Lender

Name	FINANCE AMERICA LLC
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	40 HIGH ROCK ST, LYNN, MA 01902-4048
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039775-284
Date	Apr 16, 2021
Book Page	39775/284
Instrument	20210416002240

Lender

Name	SHARON AND CRESCENT UNITED CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2041

Interest

Rate Type	Adjustable Rate

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	May 4, 2023
Property Address	40 HIGH ROCK ST, LYNN, MA 01902-4048
Document Number	041550-120
Book / Page	41550 / 120
Instrument Date	May 3, 2023
Instrument	20230504002560
Transaction Type	Transfer
Record Updated	Feb 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 CHAPMAN ST # 2, 2, CANTON, MA 02021-2001

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	$8,022.00 (+5.32%)	$774,317 (+7.04%) Land $169,100 Building $605,217	$735,869
2024	$7,617.00 (+5.15%)	$723,400 (+11.34%) Land $163,100 Building $560,300
2023	$7,244.00	$649,700 Land $128,500 Building $521,200

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 898 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 / 2,000

May also be available: AT&T, Starry, T-Mobile.

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