405 Main St, Lynnfield, MA 01940 Property Records

Essex County and Lynnfield Town property record for 405 Main St, Lynnfield, MA 01940

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,184 sqft · built 1960
Lot Size	0.344 acres (15,002 sqft)
Owner	Individual Name on Record
Last Sale	$1,100,000 (Jul 2026)
Tax Bill	$10,716 (2026)
Deeds & Mortgages	Jul 2026 Sale Oct 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`LYNF M:0028 B:0000 L:1866`

Property Details

APN / Parcel Number

Primary APN	`LYNF M:0028 B:0000 L:1866`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,184 sqft Living Area
Gross Area	2,896 sqft
Basement Area	1,560 sqft
Finished Basement	1,248 sqft
Unfinished Basement	312 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 2021
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,002 sqft (0.344 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	405 MAIN ST
City	LYNNFIELD
State	MA
Zip	01940-2500
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	1866
Jurisdiction	LYNNFIELD MA
Township / Civil Division	LYNNFIELD
Census Block Group	2
Census Block	2011
Census Tract	209200

Owner

Source: Essex County and Lynnfield Town records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	405 MAIN ST, LYNNFIELD, MA 01940-2500
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Quit Claim Deed, Transfer
Oct 30, 2025	Deed of Trust, Mortgage M & T BANK
Mar 29, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage M & T BANK
Jul 23, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MORTGAGE RESEARCH CENTER LLC
Jan 15, 2021	Fiduciary Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2026 · Amount on Record
Deed Sale	Jul 20, 2026 · Amount on Record
Prior Sale	Mar 29, 2024 · Amount on Record
Deed Document Number	20263580
Deed Book / Page	43518 / 355
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNNFIELD MA
Recording Date	Jul 20, 2026
Property Address	405 MAIN ST, LYNNFIELD, MA 01940-2500
Document Number	0000003580
Book / Page	43518 / 355
Instrument Date	May 21, 2026
Instrument	20263580
Transaction Type	Transfer
Record Updated	Aug 31, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 MAIN ST, LYNNFIELD, MA 01940-2500

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	405 MAIN ST, LYNNFIELD, MA 01940-2500
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043036-85
Date	Oct 30, 2025
Book Page	43036/85
Instrument	20251030001020

Lender

Name	M & T BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

March 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNNFIELD MA
Recording Date	Mar 29, 2024
Property Address	405 MAIN ST, LYNNFIELD, MA 01940-2500
Document Number	042046-209
Book / Page	42046 / 209
Instrument Date	Mar 29, 2024
Instrument	20240329002750
Transaction Type	Transfer
Record Updated	Apr 12, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	405 MAIN ST, LYNNFIELD, MA 01940-2500

Mortgage

Document Number	240329002760
Date	Mar 29, 2024
Instrument	240329002760

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNNFIELD MA
Recording Date	Jul 23, 2021
Property Address	405 MAIN ST, LYNNFIELD, MA 01940-2500
Document Number	040109-204
Book / Page	40109 / 204
Instrument Date	Jul 23, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 MAIN ST, LYNNFIELD, MA 01940-2500

Mortgage

Document Number	0040109206
Date	Jul 23, 2021
Instrument	40109/206

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2021: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	LYNNFIELD MA
Recording Date	Jan 15, 2021
Property Address	405 MAIN ST, LYNNFIELD, MA 01940-2500
Document Number	039416-576
Book / Page	39416 / 576
Instrument Date	Jan 11, 2021
Instrument	20210115004090
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 LINCOLN AVE, LYNNFIELD, MA 01940-1816

Tax Assessment & Valuation

Source: Essex County and Lynnfield Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Lynnfield Town
Unified School District	Lynnfield School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,716.00 (+10.59%)	$935,100 (+1.91%) Land $501,500 Building $432,700	$987,891 (-1.45%)
2025	$9,690.00 (+10.53%)	$917,600 (+1%) Land $486,900 Building $430,700	$1,002,440
2024	$8,767.00 (-0.43%)	$834,200 (+7.06%) Land $442,600 Building $391,600
2023	$8,805.00	$779,200 Land $419,900 Building $359,300

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2025)
Most Recent Claim	Sep 2025 · rainfall accumulation

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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	LYNNFIELD CENTER WATER DISTRICT serves 8,525 people · EPA ID MA3164000
Water Source	Purchased surface water from MWRA
Last State Inspection	Oct 2023
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures