431 Walnut St, Lynn, MA 01905 Property Records

Essex County and Lynn City property record for 431 Walnut St, Lynn, MA 01905

Property Summary

Property Type	Condominium
Details	3 bd · 1.5 ba · 996 sqft · built 1986
Lot Size	0.278 acres (12,092 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Jan 2024)
Tax Bill	$4,194 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Jun 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B:023 L:383 S:015-002`

Property Details

APN / Parcel Number

Primary APN	`B:023 L:383 S:015-002`
Alternative APN	`LYNN M:023 B:383 L:015 S:002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	996 sqft Living Area
Gross Area	1,633 sqft
Basement Area	175 sqft
Unfinished Basement	175 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,092 sqft (0.278 acres)

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Street Address	431 WALNUT ST
City	LYNN
State	MA
Zip	01905-1058
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R2
Legal Block	383
Legal Lot Number	15
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	4
Census Block	4001
Census Tract	205600

Owner

431 Walnut St, a condominium, is owned and occupied by two individuals who bought it in January 2024.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	431 WALNUT ST, LYNN, MA 01905-1058
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC
Jun 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Jul 29, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2024 · Amount on File
Deed Sale	Jan 9, 2024 · Amount on File
Prior Sale	Jul 29, 2019 · Amount on File
Prior Transfer Date	Jul 23, 2019
Prior Transfer Doc	37705-311
Record Updated	Oct 29, 2026

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Jan 9, 2024
Property Address	431 WALNUT ST, LYNN, MA 01905-1058
Document Number	041942-423
Book / Page	41942 / 423
Instrument Date	Jan 9, 2024
Instrument	20240109002360
Transaction Type	Transfer
Record Updated	Jan 26, 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
Relationship	Joint Tenants with Right of Survivorship
Address	431 WALNUT ST, LYNN, MA 01905-1058

Mortgage

Document Number	240109002370
Date	Jan 9, 2024
Instrument	240109002370

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

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	431 WALNUT ST, LYNN, MA 01905-1058
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38618-414
Date	Jun 17, 2020
Book Page	38618/414
Instrument	20200617000260

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Jul 29, 2019
Property Address	431 WALNUT ST, LYNN, MA 01905-1058
Document Number	37705-311
Book / Page	37705 / 311
Instrument Date	Jul 23, 2019
Instrument	20190729004440
Transaction Type	Transfer
Record Updated	May 12, 2021

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	429-431 WALNUT ST # 431, 431, LYNN, MA 01905

Mortgage

Document Number	190729004450
Date	Jul 29, 2019
Instrument	190729004450

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 431 Walnut St was $4,194, up 17.1% 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	$4,194.00 (+17.05%)	$404,800 (+18.95%) Building $404,800	$433,960
2024	$3,583.00 (+3.7%)	$340,300 (+9.81%) Building $340,300
2023	$3,455.00	$309,900 Building $309,900

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

Flood

FEMA maps place 431 Walnut 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 431 Walnut 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	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	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 455 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

May also be available: AT&T, T-Mobile.

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