Essex County and Lynnfield Town property record for 434 Summer St, Lynnfield, MA 01940
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,665 sqft · built 1929 |
| Lot Size | 0.462 acres (20,103 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $1,025,000 (Aug 2020) |
| Tax Bill | $16,962 (2026) |
| Deeds & Mortgages | May 2024 Refinance Jul 2018 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | LYNF M:0035 B:0000 L:2315 |
| Primary APN | LYNF M:0035 B:0000 L:2315 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,665 sqft Living Area |
| Gross Area | 4,382 sqft |
| Basement Area | 759 sqft |
| Unfinished Basement | 152 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1929 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 20,103 sqft (0.462 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 434 SUMMER ST |
|---|---|
| City | LYNNFIELD |
| State | MA |
| Zip | 01940-2057 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 2315 |
| Jurisdiction | LYNNFIELD MA |
| Township / Civil Division | LYNNFIELD |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 209100 |
434 Summer St is owner-occupied and held in a trust since August 2020.
Source: Essex County and Lynnfield Town records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 434 SUMMER ST, LYNNFIELD, MA 01940-2057 |
| 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.
| Date | Document |
|---|---|
| May 24, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance STONEHAM COOPERATIVE BANK |
| Jul 27, 2018 | Deed of Trust, Mortgage · ARM PEOPLES UNITED BANK |
| Apr 16, 2020 | Deed of Trust, Mortgage · ARM CITIZENS BANK OF RHODE ISLAND |
| Aug 28, 2020 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage WAKEFIELD COOPERATIVE BANK |
| Dec 22, 2017 | Quit Claim Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 28, 2020 · Amount on File |
| Deed Sale | Aug 28, 2020 · Amount on File |
| Prior Sale | Dec 22, 2017 · Amount on File |
| Deed Book / Page | 38876 / 248 |
| Prior Transfer Date | Aug 25, 2020 |
| Prior Transfer Doc | 38876-248 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYNNFIELD MA |
| Property Address | 434 SUMMER ST, LYNNFIELD, MA 01940-2057 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 042132-296 |
|---|---|
| Date | May 24, 2024 |
| Book Page | 42132/296 |
| Instrument | 20240524000340 |
| Name | STONEHAM COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jun 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYNNFIELD MA |
| Property Address | 434 SUMMER ST, LYNNFIELD, MA 01940-2057 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 36891-493 |
|---|---|
| Date | Jul 27, 2018 |
| Book Page | 36891/493 |
| Instrument | 180727001120 |
| Name | PEOPLES UNITED BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYNNFIELD MA |
| Property Address | 434 SUMMER ST, LYNNFIELD, MA 01940-2057 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38425-361 |
|---|---|
| Date | Apr 16, 2020 |
| Book Page | 38425/361 |
| Instrument | 20200416000570 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | May 1, 2027 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LYNNFIELD MA |
| Recording Date | Aug 28, 2020 |
| Property Address | 434 SUMMER ST, LYNNFIELD, MA 01940-2057 |
| Document Number | 38876-248 |
| Book / Page | 38876 / 248 |
| Instrument Date | Aug 25, 2020 |
| Instrument | 20200828005890 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 434 SUMMER ST, LYNNFIELD, MA 01940-2057 |
| Document Number | 200828005900 |
|---|---|
| Date | Aug 28, 2020 |
| Instrument | 200828005900 |
| Name | WAKEFIELD COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LYNNFIELD MA |
| Recording Date | Dec 22, 2017 |
| Property Address | 434 SUMMER ST, LYNNFIELD, MA 01940-2057 |
| Document Number | 36429-72 |
| Book / Page | 036429 / 000072 |
| Instrument Date | Dec 20, 2017 |
| Instrument | 1712224180 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2018 |
| Amount | Amount on Record |
|---|---|
| Tax | $4,154.16 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 434 SUMMER ST LYNNFIELD MA 019402057, LYNNFIELD, MA 01940-2057 |
The 2026 property tax bill for 434 Summer St was $16,962, up 11.7% from the year before.
Source: Essex County and Lynnfield Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Lynnfield Town |
| Unified School District | Lynnfield School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $16,962.00 (+11.7%) | $1,480,100 (+2.93%) Land $502,800 Building $976,600 | $1,246,445 |
| 2025 | $15,185.00 (+10.52%) | $1,438,000 (+1%) Land $488,200 Building $949,800 | |
| 2024 | $13,740.00 (+2.89%) | $1,307,300 (+10.62%) Land $443,800 Building $863,500 | |
| 2023 | $13,354.00 | $1,181,800 Land $421,100 Building $760,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 434 Summer 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 |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 10 (1979–2021) |
| Claims Outside the SFHA | 6 of 10 |
| Most Recent Claim | Oct 2021 · river or lake flooding |
| Claims by Event |
|
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 risk around 434 Summer St is low, with less than 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 95% of the US · lower than 90% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 255 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
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