Essex County and Lynnfield Town property record for 449 Summer St, Lynnfield, MA 01940
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,730 sqft · built 1925 |
| Lot Size | 1.2 acres (52,420 sqft) |
| Owner | Individual Name on File |
| Last Sale | $720,000 (Feb 2008) |
| Tax Bill | $13,898 (2026) |
| Deeds & Mortgages | Aug 2026 Line of Credit Jun 2017 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | LYNF M:0035 B:0000 L:2269 |
| Primary APN | LYNF M:0035 B:0000 L:2269 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,730 sqft Living Area |
| Gross Area | 8,202 sqft |
| Basement Area | 1,292 sqft |
| Unfinished Basement | 1,292 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 52,420 sqft (1.2 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 449 SUMMER ST |
|---|---|
| City | LYNNFIELD |
| State | MA |
| Zip | 01940-2059 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Subdivision | JT BANCROFT |
| Legal Lot Number | 2269 |
| Jurisdiction | LYNNFIELD MA |
| Township / Civil Division | LYNNFIELD |
| Census Block Group | 5 |
| Census Block | 5000 |
| Census Tract | 209100 |
449 Summer St is owned and occupied by an individual who bought it in February 2008.
Source: Essex County and Lynnfield Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 449 SUMMER ST, LYNNFIELD, MA 01940-2059 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 24, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Jun 28, 2017 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Nov 25, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Oct 11, 2019 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE |
| Mar 28, 2019 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 22, 2008 · Amount on File |
| Deed Sale | Feb 22, 2008 · Amount on File |
| Prior Sale | Jul 17, 2002 · Amount on File |
| Deed Book / Page | 27544 / 511 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYNNFIELD MA |
| Recording Date | Aug 24, 2026 |
| Property Address | 449 SUMMER ST, LYNNFIELD, MA 01940-2059 |
| Document Number | 0000000500 |
| Book / Page | 43585 / 417 |
| Instrument Date | Aug 17, 2026 |
| Instrument | 2026500 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 449 SUMMER ST, LYNNFIELD, MA 01940-2059 |
| Document Number | 0000000500, |
|---|---|
| Date | Aug 24, 2026 |
| Book Page | 43585/417 |
| Instrument | 2026500 |
| Name | BANK OF AMERICA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYNNFIELD MA |
| Property Address | 449 SUMMER ST, LYNNFIELD, MA 01940-2059 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 35978-380 |
|---|---|
| Date | Jun 28, 2017 |
| Book Page | 35978/380 |
| Instrument | 396 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYNNFIELD MA |
| Property Address | 449 SUMMER ST, LYNNFIELD, MA 01940-2059 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 39226-574 |
|---|---|
| Date | Nov 25, 2020 |
| Book Page | 39226/574 |
| Instrument | 20201125004210 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYNNFIELD MA |
| Property Address | 449 SUMMER ST, LYNNFIELD, MA 01940-2059 |
| Document Number | 37940-590 |
| Instrument Date | Oct 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 449 SUMMER ST LYNNFIELD MA 019402059, LYNNFIELD, MA 01940-2059 |
| Document Number | 37940-590 |
|---|---|
| Date | Oct 17, 2019 |
| Book Page | 037940/000590 |
| Instrument | 1017001080 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 16, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYNNFIELD MA |
| Property Address | 449 SUMMER ST, LYNNFIELD, MA 01940-2059 |
| Document Number | 37418-126 |
| Instrument Date | Mar 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 449 SUMMER ST LYNNFIELD MA 019402059, LYNNFIELD, MA 01940-2059 |
| Document Number | 37418-126 |
|---|---|
| Date | Apr 2, 2019 |
| Book Page | 037418/000126 |
| Instrument | 2001910 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2049 |
The 2026 property tax bill for 449 Summer St was $13,898, up 11.6% 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 | $13,898.00 (+11.65%) | $1,212,700 (+2.88%) Land $511,200 Building $701,500 | $1,433,218 (+33.92%) |
| 2025 | $12,448.00 (+10.38%) | $1,178,800 (+9.86%) Land $496,300 Building $682,500 | $1,070,175 |
| 2024 | $11,277.00 (+1.89%) | $1,073,000 (+9.55%) Land $451,200 Building $621,800 | |
| 2023 | $11,068.00 | $979,500 Land $428,500 Building $551,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 449 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 449 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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