474 Main St, Lynnfield, MA 01940 Property Records

Essex County and Lynnfield Town property record for 474 Main St, Lynnfield, MA 01940

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,155 sqft · built 2004
Lot Size	0.39 acres (17,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$655,000 (Dec 2010)
Tax Bill	$13,140 (2026)
Deeds & Mortgages	Jun 2017 Mortgage Jul 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`LYNF M:0028 B:0000 L:1229`

Property Details

APN / Parcel Number

Primary APN	`LYNF M:0028 B:0000 L:1229`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,155 sqft Living Area
Gross Area	5,782 sqft
Basement Area	1,663 sqft
Unfinished Basement	1,663 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,001 sqft (0.39 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	474 MAIN ST
City	LYNNFIELD
State	MA
Zip	01940-1762
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	WILLIAM B NELSON
Legal Lot Number	1229
Jurisdiction	LYNNFIELD MA
Township / Civil Division	LYNNFIELD
Census Block Group	3
Census Block	3008
Census Tract	209200

Owner

Source: Essex County and Lynnfield Town records, as of October 20, 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	474 MAIN ST, LYNNFIELD, MA 01940-1762
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2017	Deed of Trust, Mortgage · Closed-End Mortgage CENTURY BANK & TRUST CO
Jul 27, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2010 · Amount on Record
Deed Sale	Dec 10, 2010 · Amount on Record
Prior Sale	Mar 5, 2004 · Amount on Record
Deed Book / Page	30053 / 85
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	474 MAIN ST, LYNNFIELD, MA 01940-1762
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35968-413
Date	Jun 26, 2017
Book Page	35968/413
Instrument	72

Lender

Name	CENTURY BANK & TRUST CO
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2037

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	474 MAIN ST, LYNNFIELD, MA 01940-1762
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38753-472
Date	Jul 27, 2020
Book Page	38753/472
Instrument	20200727003500

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2040

Tax Assessment & Valuation

Source: Essex County and Lynnfield Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Lynnfield Town
Unified School District	Lynnfield School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$13,140.00 (+12.51%)	$1,146,600 (+3.67%) Land $543,700 Building $602,900	$1,275,081 (+4.17%)
2025	$11,679.00 (+1.61%)	$1,106,000 (+1.13%) Land $522,600 Building $583,400	$1,224,075
2024	$11,494.00 (+6.33%)	$1,093,600 (+14.32%) Land $514,900 Building $578,700
2023	$10,810.00	$956,600 Land $443,100 Building $513,500

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	6 (1979–2010)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Main St

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