46 Ray St, Lynn, MA 01905 Property Records

Essex County and Lynn City property record for 46 Ray St, Lynn, MA 01905

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,429 sqft · built 1900
Lot Size	0.072 acres (3,128 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,514 (2025)
Deeds & Mortgages	Feb 2021 Transfer
Flood Zone	Zone AE (high risk)
APN	`B:036 L:789 S:006`

Property Details

APN / Parcel Number

Primary APN	`B:036 L:789 S:006`
Alternative APN	`LYNN M:036 B:789 L:006`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	3 Stories
Building Area	2,429 sqft Living Area
Gross Area	4,033 sqft
Basement Area	957 sqft
Unfinished Basement	957 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	3,128 sqft (0.072 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	46 RAY ST
City	LYNN
State	MA
Zip	01905
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R4
Legal Block	789
Legal Lot Number	6
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	1
Census Block	1019
Census Tract	207200

Owner

Source: Essex County and Lynn City records · APN B:036 L:789 S:006

Assessment roll updated April 14, 2026 · Last verified April 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 File
Mailing Address	194 JENNESS ST, LYNN, MA 01904-1719
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 08, 2026

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Feb 03, 2021
Property Address	46 RAY ST, LYNN, MA 01905-2716
Document Number	039488-529
Book / Page	39488 / 529
Instrument Date	Feb 02, 2021
Instrument	20210203001410
Transaction Type	Transfer
Record Updated	Jun 28, 2022

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
Relationship	Tenants by the Entirety
Address	194 JENNESS ST, LYNN, MA 01904

Tax Assessment & Valuation

Source: Essex County and Lynn City records · Assessment roll updated April 14, 2026 · Last verified April 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

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

Year	Tax Bill	Assessed Value
2025	$7,514.00 (+6.54%)	$725,277 (+8.28%) Land $193,800 Building $531,477
2024	$7,053.00 (+2.74%)	$669,800 (+8.79%) Land $178,100 Building $491,700
2023	$6,865.00	$615,700 Land $158,600 Building $457,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 88 individual policies
Nearby Flood Policies	90 units insured incl. 2 condo units
Nearby Flood Claims	82 (1979–2025)
Claims Outside the SFHA	29 of 82
Most Recent Claim	Jan 2025 · rainfall accumulation
Claims by Event	Extreme Weather Conditons And Flooding, Oct 1996 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: Starry, T-Mobile USA.

Based on FCC filings for 137 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	LYNN WATER AND SEWER COMM serves 101,253 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.