45 Carnes St, Lynn, MA 01905 Property Records

Essex County and Lynn City property record for 45 Carnes St, Lynn, MA 01905

Property Summary

Property Type	Triplex
Details	6 bd · 3 ba · 2,024 sqft · built 1890
Lot Size	0.07 acres (3,058 sqft)
Owner	Company Name on File
Tax Bill	$7,631 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Mar 2017 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B:054 L:320 S:030`

Property Details

APN / Parcel Number

Primary APN	`B:054 L:320 S:030`
Alternative APN	`LYNN M:054 B:320 L:030`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Units	3 Units
Stories	3 Stories
Building Area	2,024 sqft Living Area
Gross Area	3,419 sqft
Basement Area	736 sqft
Unfinished Basement	736 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1963
Architectural Style	Triplex
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,058 sqft (0.07 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	45 CARNES ST
City	LYNN
State	MA
Zip	01905-1870
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	R2
Legal Subdivision	NORWOOD AVE
Legal Block	320
Legal Lot Number	30
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	2
Census Block	2005
Census Tract	205900

Owner

45 Carnes St, a triplex, is owned by a company that acquired it in March 2017.

Source: Essex County and Lynn City records, as of April 14, 2026

Owner of Record	Company Name on File
Mailing Address	47 COLUMBUS ST, CHELSEA, MA 02150-1441
Owner Type	Company
Vesting	Company

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

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2017	Deed of Trust, Mortgage UNITED WHOLESALE MORTGAGE
Mar 30, 2017	Quit Claim Deed, Transfer
Jan 9, 2017	Quit Claim Deed, Transfer UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2017
Deed Sale	Mar 30, 2017
Prior Sale	Jan 9, 2017 · Amount on File
Deed Book / Page	35765 / 10
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	45 CARNES ST, LYNN, MA 01905-1870
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35613-519
Date	Jan 13, 2017
Book Page	35613/519
Instrument	690

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2047

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Mar 30, 2017
Property Address	45 CARNES ST, LYNN, MA 01905-1870
Document Number	35765-10
Book / Page	035765 / 000010
Instrument Date	Mar 16, 2017
Instrument	1703300098
Transaction Type	Transfer
Record Updated	Apr 18, 2017

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	47 COLUMBUS ST CHELSEA MA 021501441, CHELSEA, MA 02150-1441

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Jan 9, 2017
Property Address	45 CARNES ST, LYNN, MA 01905-1870
Document Number	35600-355
Book / Page	35600 / 355
Instrument	458
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	$49.73
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	356000357
Date	Jan 9, 2017
Instrument	35600/0357

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 9, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 45 Carnes St was $7,631, up 0.8% 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
2025	$7,631.00 (+0.77%)	$736,600 (+2.42%) Land $184,700 Building $551,900
2024	$7,573.00 (+3.34%)	$719,200 (+9.43%) Land $173,600 Building $545,600
2023	$7,328.00	$657,200 Land $168,200 Building $489,000

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 45 Carnes 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 45 Carnes 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	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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