40 Laurel St, Lynn, MA 01905 Property Records

Essex County and Lynn City property record for 40 Laurel St, Lynn, MA 01905

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,135 sqft · built 1880
Lot Size	0.124 acres (5,401 sqft)
Owner	Individual Name on File
Tax Bill	$5,071 (2025)
Deeds & Mortgages	Mar 2024 Refinance Dec 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B:021 L:285 S:081`

Property Details

APN / Parcel Number

Primary APN	`B:021 L:285 S:081`
Alternative APN	`LYNN M:021 B:285 L:081`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,135 sqft Living Area
Gross Area	2,321 sqft
Basement Area	708 sqft
Unfinished Basement	708 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1963
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	5,401 sqft (0.124 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	40 LAUREL ST
City	LYNN
State	MA
Zip	01905-2041
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Block	285
Legal Lot Number	81
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	3
Census Block	3000
Census Tract	205800

Owner

40 Laurel St is owned and occupied by an individual.

Source: Essex County and Lynn City records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	40 LAUREL ST, LYNN, MA 01905-2041
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 25, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP
Dec 6, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP
Apr 11, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	40 LAUREL ST, LYNN, MA 01905-2041
Transaction Type	Mortgage
Record Updated	Apr 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042035-575
Date	Mar 25, 2024
Book Page	42035/575
Instrument	20240325001210

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	40 LAUREL ST, LYNN, MA 01905-2041
Transaction Type	Mortgage
Record Updated	Dec 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041337-277
Date	Dec 6, 2022
Book Page	41337/277
Instrument	20221206001320

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2054

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Apr 11, 2022
Property Address	40 LAUREL ST, LYNN, MA 01905-2041
Document Number	00040855-2
Book / Page	40855 / 2
Instrument Date	Apr 11, 2022
Instrument	20220411003130
Transaction Type	Transfer
Record Updated	Apr 29, 2022

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	40 LAUREL ST, LYNN, MA 01905-2041

Tax Assessment & Valuation

The 2025 property tax bill for 40 Laurel St was $5,071, up 4.8% from the year before.

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	$5,071.00 (+4.75%)	$489,500 (+6.48%) Land $202,200 Building $287,300	$473,860
2024	$4,841.00 (-2.79%)	$459,700 (+2.93%) Land $188,100 Building $271,600
2023	$4,980.00	$446,600 Land $208,000 Building $238,600

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

Flood

FEMA maps place 40 Laurel St in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 41 individual policies
Nearby Flood Policies	110 units insured incl. 69 condo units
Nearby Flood Claims	83 (1979–2024)
Claims Outside the SFHA	13 of 83
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Severe Winter Storm And Flooding, Mar 2018 · 3 claims Severe Storms And Flooding, May 2006 · 14 claims Extreme Weather Conditons And Flooding, Oct 1996 · 9 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 40 Laurel St 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	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 864 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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