45 School St, Lynn, MA 01902 Property Records

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

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,017 sqft · built 1900
Lot Size	0.101 acres (4,421 sqft)
Owner	2 Individual Names on Record
Last Sale	$780,000 (Feb 2026)
Tax Bill	$7,338 (2025)
Deeds & Mortgages	May 2023 Mortgage Jan 2026 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`B:082 L:616 S:005`

Property Details

APN / Parcel Number

Primary APN	`B:082 L:616 S:005`
Alternative APN	`LYNN M:082 B:616 L:005`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,017 sqft Living Area
Gross Area	3,565 sqft
Basement Area	1,104 sqft
Unfinished Basement	1,104 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	4,421 sqft (0.101 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	45 SCHOOL ST
City	LYNN
State	MA
Zip	01902-2950
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	CBD
Legal Block	616
Legal Lot Number	5
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	1
Census Block	1009
Census Tract	206800

Owner

Source: Essex County and Lynn City records, as of June 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	45 SCHOOL ST, LYNN, MA 01902-2950
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
May 17, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) REAL ESTATE PROPERTY SERVICES LLC
Jan 15, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage REAL ESTATE PROPERTY SERVICES LLC
Jan 15, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage REAL ESTATE PROPERTY SERVICES LLC
Feb 27, 2026	Quit Claim Deed, Transfer NORTHPOINT MORTGAGE INC
Feb 16, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance TOTAL MORTGAGE SERVICES LLC
Jan 29, 2020	Quit Claim Deed, Transfer REAL EST PROP SVCS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2026 · Amount on Record
Deed Sale	Feb 27, 2026 · Amount on Record
Prior Sale	Jan 29, 2020 · Amount on Record
Deed Document Number	20263930
Deed Book / Page	43248 / 386
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	45 SCHOOL ST, LYNN, MA 01902-2950
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	041566-439
Date	May 17, 2023
Book Page	41566/439
Instrument	20230517000940

Lender

Name	REAL ESTATE PROPERTY SERVICES LLC

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	45 SCHOOL ST, LYNN, MA 01902-2950
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	043180-579
Date	Jan 15, 2026
Book Page	43180/579
Instrument	20260115002050

Lender

Name	REAL ESTATE PROPERTY SERVICES LLC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	45 SCHOOL ST, LYNN, MA 01902-2950
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	043181-102
Date	Jan 15, 2026
Book Page	43181/102
Instrument	20260115002320

Lender

Name	REAL ESTATE PROPERTY SERVICES LLC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Feb 27, 2026
Property Address	45 SCHOOL ST, LYNN, MA 01902-2950
Document Number	043248-386
Book / Page	43248 / 386
Instrument Date	Feb 20, 2026
Instrument	3930
Transaction Type	Transfer
Record Updated	Mar 18, 2026

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	Tenants in Common
Address	45 SCHOOL ST, LYNN, MA 01902-2950

Mortgage

Document Number	20260227003940
Date	Feb 27, 2026
Instrument	20260227003940

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Feb 16, 2021
Property Address	45 SCHOOL ST, LYNN, MA 01902-2950
Document Number	0039536-66
Book / Page	39536 / 66
Instrument Date	Feb 11, 2021
Instrument	20210216007040
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 HOLYOKE RD, LYNN, MA 01905-1748
Investor	Possibly a Property Investor

Mortgage

Document Number	0039536-69
Date	Feb 16, 2021
Book Page	39536/69
Instrument	20210216007060

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Jan 29, 2020
Property Address	45 SCHOOL ST, LYNN, MA 01902-2950
Document Number	38224-398
Book / Page	038224 / 000398
Instrument Date	Jan 29, 2020
Instrument	29002640
Transaction Type	Transfer
Record Updated	Feb 18, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,596.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10 HOLYOKE RD LYNN MA 019051748, LYNN, MA 01905-1748

Mortgage

Document Number	38224-400
Date	Jan 29, 2020
Book Page	038224/000400
Instrument	29002650

Lender

Name	REAL EST PROP SVCS LLC

Agreement

Amount	Amount Recorded

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
2025	$7,338.00 (+5.13%)	$708,295 (+6.85%) Land $193,600 Building $514,695
2024	$6,980.00 (+6.06%)	$662,900 (+12.32%) Land $186,700 Building $476,200
2023	$6,581.00	$590,200 Land $147,200 Building $443,000

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

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
Nearby Flood Policies	1 in force

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 898 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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