40 Locust St, Lynn, MA 01904 Property Records

Essex County and Lynn City property record for 40 Locust St, Lynn, MA 01904

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,902 sqft · built 1880
Lot Size	0.13 acres (5,658 sqft)
Owner	2 Individual Names on File
Last Sale	$95,000 (Apr 1996)
Tax Bill	$6,541 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Apr 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`B:071 L:248 S:009`

Property Details

APN / Parcel Number

Primary APN	`B:071 L:248 S:009`
Alternative APN	`LYNN M:071 B:248 L:009`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,902 sqft Living Area
Gross Area	3,633 sqft
Basement Area	1,144 sqft
Unfinished Basement	1,144 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1963
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,658 sqft (0.13 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	40 LOCUST ST
City	LYNN
State	MA
Zip	01904-2910
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	248
Legal Lot Number	9
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	4
Census Block	4003
Census Tract	205200

Owner

40 Locust St is owned and occupied by two individuals who bought it in April 1996.

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

Owner of Record	2 Individual Names on File
Mailing Address	40 LOCUST ST, LYNN, MA 01904-2910
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
Apr 4, 2018	Deed of Trust, Mortgage EASTERN BANK
Apr 27, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 1996 · Amount on File
Deed Sale	Apr 29, 1996 · Amount on File
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	40 LOCUST ST, LYNN, MA 01904-2910
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36625-486
Date	Apr 4, 2018
Book Page	36625/486
Instrument	180404000720

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2033

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Apr 27, 2017
Property Address	40 LOCUST ST, LYNN, MA 01904-2910
Document Number	35825-208
Book / Page	035825 / 000208
Instrument Date	Apr 26, 2017
Instrument	1704270278
Transaction Type	Transfer
Record Updated	May 16, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40 LOCUST ST LYNN MA 019042910, LYNN, MA 01904-2910

Tax Assessment & Valuation

The 2025 property tax bill for 40 Locust St was $6,541, up 3.1% 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	$6,541.00 (+3.06%)	$631,400 (+4.74%) Land $197,500 Building $433,900	$601,350
2024	$6,347.00 (+5.31%)	$602,800 (+11.53%) Land $193,000 Building $409,800
2023	$6,027.00	$540,500 Land $181,400 Building $359,100

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

Flood

FEMA maps place 40 Locust St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 40 Locust 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 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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