40 Neptune St, Lynn, MA 01905 Property Records

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

Property Summary

Property Type	Single Family Home
Lot Size	0.086 acres (3,746 sqft)
Owner	2 Trust Names on File
Tax Bill	$8,413 (2025)
Deeds & Mortgages	Jan 2019 Refinance Dec 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`B:052 L:771 S:004`

Property Details

APN / Parcel Number

Primary APN	`B:052 L:771 S:004`
Alternative APN	`LYNN M:052 B:771 L:004`

Exterior

Lot Area	3,746 sqft (0.086 acres)
Total Buildings	2 Buildings

Location & Zoning

Street Address	40 NEPTUNE ST
City	LYNN
State	MA
Zip	01905-2921
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
Legal Block	771
Legal Lot Number	4
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	1
Census Block	1011
Census Tract	207200

Owner

40 Neptune St is owner-occupied and held in a trust.

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

Owner of Record	2 Trust Names on File
Mailing Address	40 NEPTUNE ST, LYNN, MA 01905-2921
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC
Dec 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST SB

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	40 NEPTUNE ST, LYNN, MA 01905-2921
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37273-601
Date	Jan 15, 2019
Book Page	37273/601
Instrument	20190115001070

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	40 NEPTUNE ST, LYNN, MA 01905-2921
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39311-397
Date	Dec 18, 2020
Book Page	39311/397
Instrument	20201218002810

Lender

Name	FIRST SB

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 40 Neptune St was $8,413, up 6% 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	$8,413.00 (+6.01%)	$812,054 (+7.74%) Land $197,400 Building $614,654	$609,309
2024	$7,936.00 (+4.45%)	$753,700 (+10.61%) Land $181,400 Building $572,300
2023	$7,598.00	$681,400 Land $161,600 Building $519,800

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

Flood

FEMA maps place 40 Neptune 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
Flood Insurance Cost	Premium on File median of 88 individual policies
Nearby Flood Policies	90 units insured incl. 2 condo units
Nearby Flood Claims	82 (1979–2025)
Claims Outside the SFHA	29 of 82
Most Recent Claim	Jan 2025 · rainfall accumulation
Claims by Event	Extreme Weather Conditons And Flooding, Oct 1996 · 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

The area around 40 Neptune St has no burnable land within ember reach, so its wildfire risk is not rated.

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 650 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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