45 Chatham St, Lynn, MA 01902 Property Records

Essex County and Lynn City property record for 45 Chatham St, Lynn, MA 01902

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 2,267 sqft · built 1900
Lot Size	0.085 acres (3,685 sqft)
Owner	Individual Name on Record
Last Sale	$735,000 (Jun 2022)
Tax Bill	$7,257 (2025)
Deeds & Mortgages	Nov 2024 Refinance Jun 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B:094 L:536 S:038`

Property Details

APN / Parcel Number

Primary APN	`B:094 L:536 S:038`
Alternative APN	`LYNN M:094 B:536 L:038`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,267 sqft Living Area
Gross Area	4,825 sqft
Basement Area	1,147 sqft
Unfinished Basement	1,147 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1964
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,685 sqft (0.085 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	45 CHATHAM ST
City	LYNN
State	MA
Zip	01902-2420
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	536
Legal Lot Number	38
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	1
Census Block	1007
Census Tract	206600

Owner

Source: Essex County and Lynn City records, as of October 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	Individual Name on Record
Mailing Address	45 CHATHAM ST, LYNN, MA 01902-2420
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2024	Quit Claim Deed, Transfer · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Jun 21, 2022	Quit Claim Deed, Transfer · FHA Mortgage PRIME LENDING INC
Sep 25, 2017	Quit Claim Deed, Transfer · FHA Mortgage ROCKLAND TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 21, 2022 · Amount on Record
Deed Sale	Jun 21, 2022 · Amount on Record
Prior Sale	Sep 25, 2017 · Amount on Record
Deed Book / Page	41013 / 498
Last Transfer Date	Oct 30, 2024
Transfer Doc	4241000562
Record Updated	Oct 29, 2026

November 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Nov 4, 2024
Property Address	45 CHATHAM ST, LYNN, MA 01902-2420
Document Number	042414-562
Book / Page	42414 / 562
Instrument Date	Oct 30, 2024
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	45 CHATHAM ST, LYNN, MA 01902-2420

Mortgage

Document Number	0042414566
Date	Nov 4, 2024
Instrument	42414/566

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2054

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Jun 21, 2022
Property Address	45 CHATHAM ST, LYNN, MA 01902-2420
Document Number	041013-498
Book / Page	41013 / 498
Instrument Date	Jun 17, 2022
Instrument	20220621003700
Transaction Type	Transfer
Record Updated	Jul 11, 2022

Transaction

Amount	Amount Recorded
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	45 CHATHAM ST, LYNN, MA 01902-2420

Mortgage

Document Number	220621003710
Date	Jun 21, 2022
Instrument	220621003710

Lender

Name	PRIME LENDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Sep 25, 2017
Property Address	45 CHATHAM ST, LYNN, MA 01902-2420
Document Number	36201-109
Book / Page	036201 / 000109
Instrument Date	Sep 25, 2017
Instrument	1709250293
Transaction Type	Transfer
Record Updated	Oct 17, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,052.00
Amount Accuracy	Confirmed
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	212 BEACH ST REVERE MA 021515013, REVERE, MA 02151-5013

Mortgage

Document Number	36201-111
Date	Sep 25, 2017
Book Page	036201/000111
Instrument	1709250294

Lender

Name	ROCKLAND TR

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2047

Tax Assessment & Valuation

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	$7,257.00 (+5.25%)	$700,436 (+6.97%) Land $184,000 Building $516,436	$776,010
2024	$6,895.00 (-2.49%)	$654,800 (+3.25%) Land $176,000 Building $478,800
2023	$7,071.00	$634,200 Land $188,200 Building $446,000

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 17 individual policies
Nearby Flood Policies	20 units insured incl. 3 condo units
Nearby Flood Claims	4 (2018)
Most Recent Claim	Aug 2018 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 1,066 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: AT&T, Starry, T-Mobile.

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