42 River St, Lynn, MA 01905 Property Records

Essex County and Lynn City property record for 42 River St, Lynn, MA 01905

Property Summary

Property Type	Apartments (5+ Units)
Details	12 bd · 6 ba · 6,003 sqft · built 1901
Lot Size	0.091 acres (3,947 sqft)
Owner	Company Name on File
Last Sale	$1,540,000 (Jun 2021)
Tax Bill	$16,357 (2025)
Deeds & Mortgages	May 2021 Mortgage Dec 2023 Refinance + 4 more
Flood Zone	Zone AE (high risk)
APN	`B:019 L:301 S:022`

Property Details

APN / Parcel Number

Primary APN	`B:019 L:301 S:022`
Alternative APN	`LYNN M:019 B:301 L:022`

Interior

Bedrooms	12 Beds
Full Baths	6 Baths
Total Rooms	24 Rooms
Units	6 Units
Stories	3 Stories
Building Area	6,003 sqft Living Area
Gross Area	8,060 sqft
Basement Area	2,001 sqft
Unfinished Basement	2,001 sqft

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1901
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	3,947 sqft (0.091 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	42 RIVER ST
City	LYNN
State	MA
Zip	01905-2656
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	R4
Legal Subdivision	MARIA NEWHALL
Legal Block	301
Legal Lot Number	22
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	3
Census Block	3006
Census Tract	205800

Owner

42 River St, a residential property, is owned by a company that bought it in June 2021.

Source: Essex County and Lynn City records, as of April 14, 2026

Owner of Record	Company Name on File
Mailing Address	358 ATHENS ST, SOUTH BOSTON, MA 02127-2226
Owner Type	Company
Vesting	Company

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
May 20, 2021	Deed of Trust, Mortgage · Commercial Mortgage RALPH DJ GIROLAMO
Dec 8, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance COASTAL HERITAGE BANK
Dec 8, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance COASTAL HERITAGE BANK
Jun 2, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage COASTAL HERITAGE BANK
Jun 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage HAVERHILL RLTY LNDG
Jun 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage HAVERHILL RLTY LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2021 · Amount on File
Deed Sale	Jun 2, 2021 · Amount on File
Prior Sale	Oct 24, 2011 · Amount on File
Prior Transfer Date	Jun 1, 2021
Prior Transfer Doc	39940-371
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	42 RIVER ST, LYNN, MA 01905-2656
Transaction Type	Mortgage
Record Updated	Jan 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039900-350
Date	May 20, 2021
Book Page	39900/350
Instrument	20210520005200

Lender

Name	RALPH DJ GIROLAMO

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	42 RIVER ST, LYNN, MA 01905-2656
Transaction Type	Mortgage
Record Updated	Jan 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041899-178
Date	Dec 8, 2023
Book Page	41899/178
Instrument	20231208002680

Lender

Name	COASTAL HERITAGE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	42 RIVER ST, LYNN, MA 01905-2656
Transaction Type	Mortgage
Record Updated	Jan 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041899-516
Date	Dec 8, 2023
Book Page	41899/516
Instrument	20231208003490

Lender

Name	COASTAL HERITAGE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Jun 2, 2021
Property Address	42 RIVER ST, LYNN, MA 01905-2656
Document Number	039940-371
Book / Page	39940 / 371
Instrument Date	Jun 1, 2021
Instrument	20210602002910
Transaction Type	Transfer
Record Updated	Jan 25, 2024

Transaction

Amount	Amount on Record
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
Address	57B PRESCOTT ST, SOMERVILLE, MA 02143-2180

Mortgage

Document Number	210602002930
Date	Jun 2, 2021
Instrument	210602002930

Lender

Name	COASTAL HERITAGE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	42 RIVER ST, LYNN, MA 01905-2656
Document Number	38626-39
Instrument Date	Jun 15, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	75 WILLIAMS ST CHELSEA MA 021503809, CHELSEA, MA 02150-3809

Mortgage

Document Number	38626-39
Date	Jun 18, 2020
Book Page	038626/000039
Instrument	18003570

Lender

Name	HAVERHILL RLTY LNDG

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	42 RIVER ST, LYNN, MA 01905-2656
Document Number	38626-27
Instrument Date	Jun 15, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	75 WILLIAMS ST CHELSEA MA 021503809, CHELSEA, MA 02150-3809

Mortgage

Document Number	38626-27
Date	Jun 18, 2020
Book Page	038626/000027
Instrument	18003550

Lender

Name	HAVERHILL RLTY LNDG

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 42 River St was $16,357, up 0.8% 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
2025	$16,357.00 (+0.77%)	$1,578,900 (+2.43%) Land $198,600 Building $1,380,300
2024	$16,232.00 (+14.28%)	$1,541,500 (+21.01%) Land $182,500 Building $1,359,000
2023	$14,204.00	$1,273,900 Land $162,500 Building $1,111,400

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 42 River St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
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

The area around 42 River 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 137 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: Starry, T-Mobile.

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