42 Spencer St, Lynn, MA 01905 Property Records

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

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,349 sqft · built 1920
Lot Size	0.049 acres (2,152 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Oct 2018)
Tax Bill	$6,793 (2025)
Deeds & Mortgages	Dec 2020 Refinance Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`B:037 L:276 S:013`

Property Details

APN / Parcel Number

Primary APN	`B:037 L:276 S:013`
Alternative APN	`LYNN M:037 B:276 L:013`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	3 Stories
Building Area	2,349 sqft Living Area
Gross Area	3,856 sqft
Basement Area	924 sqft
Unfinished Basement	924 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1966
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,152 sqft (0.049 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	42 SPENCER ST
City	LYNN
State	MA
Zip	01905-2140
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R4
Legal Block	276
Legal Lot Number	13
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	1
Census Block	1005
Census Tract	205800

Owner

Source: Essex County and Lynn City 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	2 Individual Names on Record
Mailing Address	42 SPENCER ST, LYNN, MA 01905-2140
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC
Oct 10, 2018	Quit Claim Deed, Transfer · FHA Mortgage SHAMROCK FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2018 · Amount on Record
Deed Sale	Oct 10, 2018 · Amount on Record
Prior Sale	Aug 4, 2003 · Amount on Record
Deed Book / Page	37073 / 161
Transfer Doc	037073-161
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	42 SPENCER ST, LYNN, MA 01905-2140
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39313-217
Date	Dec 18, 2020
Book Page	39313/217
Instrument	20201218004320

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

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

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Oct 10, 2018
Property Address	42 SPENCER ST, LYNN, MA 01905-2140
Document Number	37073-161
Book / Page	37073 / 161
Instrument	181010003880
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$49.77
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	370730163
Date	Oct 10, 2018
Instrument	37073/0163

Lender

Name	SHAMROCK FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2048

Tax Assessment & Valuation

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	$6,793.00 (+6.17%)	$655,743 (+7.92%) Land $183,700 Building $472,043	$732,609
2024	$6,398.00 (-3.56%)	$607,600 (+2.12%) Land $170,800 Building $436,800
2023	$6,634.00	$595,000 Land $188,900 Building $406,100

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 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 920 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: Starry, T-Mobile.

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