49 Carnes St, Lynn, MA 01905 Property Records

Essex County and Lynn City property record for 49 Carnes St, Lynn, MA 01905

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,857 sqft · built 1900
Lot Size	0.064 acres (2,792 sqft)
Owner	2 Individual Names on File
Last Sale	$496,000 (Aug 2019)
Tax Bill	$6,583 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Aug 2019 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`B:054 L:320 S:031`

Property Details

APN / Parcel Number

Primary APN	`B:054 L:320 S:031`
Alternative APN	`LYNN M:054 B:320 L:031`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,857 sqft Living Area
Gross Area	3,353 sqft
Basement Area	790 sqft
Unfinished Basement	790 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	2,792 sqft (0.064 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	49 CARNES ST
City	LYNN
State	MA
Zip	01905-1642
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Legal Block	320
Legal Lot Number	31
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	2
Census Block	2005
Census Tract	205900

Owner

49 Carnes St, a duplex, is owned and occupied by two individuals who bought it in August 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	49 CARNES ST, LYNN, MA 01905-1642
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2021	Deed of Trust, Mortgage · FHA Mortgage MSA LENDING LLC
Aug 21, 2019	Quit Claim Deed, Transfer · FHA Mortgage MSA LENDING LLC
Mar 7, 2018	Quit Claim Deed, Transfer · FHA Mortgage GUARANTEED RATE
Nov 1, 2017	Quit Claim Deed, Transfer · Conventional Mortgage TRG BLACK LLC
Sep 28, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2019 · Amount on File
Deed Sale	Aug 21, 2019 · Amount on File
Prior Sale	Mar 7, 2018 · Amount on File
Deed Document Number	201920190821003010
Deed Book / Page	37773 / 233
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	49 CARNES ST, LYNN, MA 01905-1642
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039579-195
Date	Feb 26, 2021
Book Page	39579/195
Instrument	20210226003350

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Aug 21, 2019
Property Address	49 CARNES ST, LYNN, MA 01905-1642
Document Number	37773-233
Book / Page	37773 / 233
Instrument Date	Aug 21, 2019
Instrument	20190821003010
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
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
Address	49 CARNES ST, LYNN, MA 01905-1642

Mortgage

Document Number	190821003020
Date	Aug 21, 2019
Instrument	190821003020

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Mar 7, 2018
Property Address	49 CARNES ST, LYNN, MA 01905-1642
Document Number	36573-497
Book / Page	036573 / 000497
Instrument Date	Mar 7, 2018
Instrument	1803072850
Transaction Type	Transfer
Record Updated	Aug 7, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,869.60
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 CARNES ST LYNN MA 019051642, LYNN, MA 01905-1642

Mortgage

Document Number	36573-499
Date	Mar 7, 2018
Book Page	036573/000499
Instrument	1803072860

Lender

Name	GUARANTEED RATE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 6, 2048

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Nov 1, 2017
Property Address	49 CARNES ST, LYNN, MA 01905-1642
Document Number	36302-63
Book / Page	036302 / 000063
Instrument Date	Oct 31, 2017
Instrument	1711014460
Transaction Type	Transfer
Record Updated	Nov 22, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,231.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	36R SOUTH TER BEVERLY MA 019153960, BEVERLY, MA 01915-3960

Mortgage

Document Number	36302-65
Date	Nov 1, 2017
Book Page	036302/000065
Instrument	1711014470

Lender

Name	TRG BLACK LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Mortgage

Document Number	36302-81,
Date	Nov 1, 2017
Book Page	036302/000081
Instrument	1711014480

Lender

Name	YING Y YEI

Agreement

Amount	Amount on Record

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Sep 28, 2017
Property Address	49 CARNES ST, LYNN, MA 01905-1642
Document Number	36209-234
Book / Page	036209 / 000234
Instrument Date	Sep 28, 2017
Instrument	1709280135
Transaction Type	Transfer
Record Updated	Oct 17, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 ASPEN ST LYNN MA 019052809, LYNN, MA 01905-2809

Tax Assessment & Valuation

The 2025 property tax bill for 49 Carnes St was $6,583, up 5.8% from the year before.

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	$6,583.00 (+5.77%)	$635,427 (+7.5%) Land $183,200 Building $452,227	$683,435
2024	$6,224.00 (+0.26%)	$591,100 (+6.16%) Land $172,200 Building $418,900
2023	$6,208.00	$556,800 Land $166,800 Building $390,000

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

Flood

FEMA maps place 49 Carnes St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 49 Carnes St is low, with a 0.01% annual chance of 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	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 920 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: Starry, T-Mobile.

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