Essex County and Lynnfield Town property record for 437 Summer St, Lynnfield, MA 01940
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 3,097 sqft · built 1915 |
| Lot Size | 1.1 acres (47,951 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $499,000 (Nov 2009) |
| Tax Bill | $11,766 (2026) |
| Deeds & Mortgages | Aug 2021 Refinance Dec 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | LYNF M:0035 B:0000 L:2264 |
| Primary APN | LYNF M:0035 B:0000 L:2264 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 3,097 sqft Living Area |
| Gross Area | 5,423 sqft |
| Basement Area | 1,553 sqft |
| Unfinished Basement | 1,553 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 47,951 sqft (1.1 acres) |
| Garage Type | Detached |
| Pool Type | In-Ground Pool |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 437 SUMMER ST |
|---|---|
| City | LYNNFIELD |
| State | MA |
| Zip | 01940-2059 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Subdivision | LYNNFIELD |
| Legal Lot Number | 2264 |
| Jurisdiction | LYNNFIELD MA |
| Township / Civil Division | LYNNFIELD |
| Census Block Group | 5 |
| Census Block | 5000 |
| Census Tract | 209100 |
437 Summer St is owned and occupied by two individuals who bought it in November 2009.
Source: Essex County and Lynnfield Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 437 SUMMER ST, LYNNFIELD, MA 01940-2059 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Aug 30, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Dec 22, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Jul 12, 2017 | Quit Claim Deed, Transfer SALEM FIVE MTG CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 23, 2009 · Amount on File |
| Deed Sale | Nov 23, 2009 · Amount on File |
| Prior Sale | Aug 15, 2000 · Amount on File |
| Deed Book / Page | 29088 / 428 |
| Transfer Doc | 36013-514 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYNNFIELD MA |
| Property Address | 437 SUMMER ST, LYNNFIELD, MA 01940-2059 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 40225-363 |
|---|---|
| Date | Aug 30, 2021 |
| Book Page | 40225/363 |
| Instrument | 20210830004860 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYNNFIELD MA |
| Property Address | 437 SUMMER ST, LYNNFIELD, MA 01940-2059 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 39330-23 |
|---|---|
| Date | Dec 22, 2020 |
| Book Page | 39330/23 |
| Instrument | 20201222004610 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LYNNFIELD MA |
| Recording Date | Jul 12, 2017 |
| Property Address | 437 SUMMER ST, LYNNFIELD, MA 01940-2059 |
| Document Number | 36013-514 |
| Book / Page | 36013 / 514 |
| Instrument | 305 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $74.84 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 437 SUMMER ST, LYNNFIELD, MA 01940-2059 |
| Document Number | 36013-516 |
|---|---|
| Date | Jul 12, 2017 |
| Book Page | 36013/516 |
| Instrument | 306 |
| Name | SALEM FIVE MTG CO |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 1, 2047 |
The 2026 property tax bill for 437 Summer St was $11,766, 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 | $11,766.00 (+11.74%) | $1,026,700 (+2.96%) Land $510,100 Building $507,100 | $929,276 (+11.87%) |
| 2025 | $10,530.00 (+10.4%) | $997,200 (+9.88%) Land $495,200 Building $502,000 | $830,680 |
| 2024 | $9,538.00 (+1.51%) | $907,500 (+9.14%) Land $450,200 Building $457,300 | |
| 2023 | $9,396.00 | $831,500 Land $427,500 Building $404,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 437 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 | 6 in force |
| Nearby Flood Claims | 6 (1999–2014) |
| Claims Outside the SFHA | 5 of 6 |
| Most Recent Claim | Dec 2014 · other causes |
| 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 437 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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