48 Carter Rd, Lynn, MA 01904 Property Records

Essex County and Lynn City property record for 48 Carter Rd, Lynn, MA 01904

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,400 sqft · built 1923
Lot Size	0.104 acres (4,530 sqft)
Owner	Individual Name on Record
Last Sale	$299,500 (Aug 2004)
Tax Bill	$6,188 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Sep 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`B:086 L:175 S:007`

Property Details

APN / Parcel Number

Primary APN	`B:086 L:175 S:007`
Alternative APN	`LYNN M:086 B:175 L:007`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,400 sqft Living Area
Gross Area	3,208 sqft
Basement Area	728 sqft
Unfinished Basement	728 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1967
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	4,530 sqft (0.104 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	48 CARTER RD
City	LYNN
State	MA
Zip	01904-2607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	CITY LYNN
Legal Block	175
Legal Lot Number	7
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	2
Census Block	2004
Census Tract	205200

Owner

Source: Essex County and Lynn City records, as of July 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	48 CARTER RD, LYNN, MA 01904-2607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Sep 29, 2017	Deed of Trust, Mortgage · Line of Credit WEBSTER BANK
Dec 17, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE EQUITY PARTNERS LLC
Sep 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK OF RHODE ISLAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2004 · Amount on Record
Deed Sale	Aug 24, 2004 · Amount on Record
Prior Sale	Jul 31, 1998 · Amount on Record
Deed Book / Page	23295 / 277
Transfer Doc	0000000259
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	48 CARTER RD, LYNN, MA 01904-2607
Transaction Type	Mortgage
Record Updated	Jan 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040611-454
Date	Dec 28, 2021
Book Page	40611/454
Instrument	20211228000400

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	289 Months
Due	Jan 1, 2046

Interest

Rate Type	Adjustable Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	48 CARTER RD, LYNN, MA 01904-2607
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36214-226
Date	Sep 29, 2017
Book Page	36214/226
Instrument	269

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	48 CARTER RD, LYNN, MA 01904-2607
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38118-490
Date	Dec 17, 2019
Book Page	38118/490
Instrument	20191217000890

Lender

Name	MORTGAGE EQUITY PARTNERS LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	253 Months
Due	Jan 1, 2041

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	48 CARTER RD, LYNN, MA 01904-2607
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38964-228
Date	Sep 22, 2020
Book Page	38964/228
Instrument	20200922002220

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

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	$6,188.00 (+5.87%)	$597,300 (+7.6%) Land $206,700 Building $390,600	$554,990
2024	$5,845.00 (+0.67%)	$555,100 (+6.61%) Land $200,800 Building $354,300
2023	$5,806.00	$520,700 Land $206,500 Building $314,200

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	7 (1978–2018)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Aug 2018 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2006 · 2 claims

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 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 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 397 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 / 250
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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