490 Main St, Lynnfield, MA 01940 Property Records

Essex County and Lynnfield Town property record for 490 Main St, Lynnfield, MA 01940

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,974 sqft · built 1953
Lot Size	0.293 acres (12,746 sqft)
Owner	2 Individual Names on File
Last Sale	$825,000 (Jul 2026)
Tax Bill	$8,870 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`LYNF M:0028 B:0000 L:0596`

Property Details

APN / Parcel Number

Primary APN	`LYNF M:0028 B:0000 L:0596`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,974 sqft Living Area
Gross Area	2,772 sqft
Basement Area	1,242 sqft
Finished Basement	828 sqft
Unfinished Basement	414 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,746 sqft (0.293 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	490 MAIN ST
City	LYNNFIELD
State	MA
Zip	01940-1762
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	596
Jurisdiction	LYNNFIELD MA
Township / Civil Division	LYNNFIELD
Census Block Group	3
Census Block	3008
Census Tract	209200

Owner

490 Main St is owned and occupied by two individuals who bought it in July 2026.

Source: Essex County and Lynnfield Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	490 MAIN ST, LYNNFIELD, MA 01940-1762
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jul 16, 2026	Quit Claim Deed, Transfer · Conventional Mortgage NORTHPOINT MORTGAGE
Jul 24, 2019	Deed of Trust, Mortgage · Balloon Mortgage INSTITUTION FOR SAVINGS NEWBURYPORT
Jul 24, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance INSTITUTION FOR SAVINGS NEWBURYPORT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2026 · Amount on File
Deed Sale	Jul 16, 2026 · Amount on File
Prior Sale	Jun 30, 2014 · Amount on File
Deed Document Number	20263320
Deed Book / Page	43512 / 125
Transfer Doc	033376-569
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNNFIELD MA
Recording Date	Jul 16, 2026
Property Address	490 MAIN ST, LYNNFIELD, MA 01940-1762
Document Number	0000003320
Book / Page	43512 / 125
Instrument Date	Jul 9, 2026
Instrument	20263320
Transaction Type	Transfer
Record Updated	Aug 5, 2026

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
Relationship	Tenants by the Entirety
Address	490 MAIN ST, LYNNFIELD, MA 01940-1762

Mortgage

Date	Jul 16, 2026

Lender

Name	NORTHPOINT MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.48%
Max Rate	-1%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	490 MAIN ST, LYNNFIELD, MA 01940-1762
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37690-335
Date	Jul 24, 2019
Book Page	37690/335
Instrument	20190724000920

Lender

Name	INSTITUTION FOR SAVINGS NEWBURYPORT
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	490 MAIN ST, LYNNFIELD, MA 01940-1762
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37690-316
Date	Jul 24, 2019
Book Page	37690/316
Instrument	20190724000910

Lender

Name	INSTITUTION FOR SAVINGS NEWBURYPORT
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 490 Main St was $8,870, up 12.9% from the year before.

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	$8,870.00 (+12.91%)	$774,000 (+4.05%) Land $532,700 Building $241,300	$796,108 (-4.99%)
2025	$7,856.00 (+1.99%)	$743,900 (+1.5%) Land $512,000 Building $231,900	$837,900
2024	$7,703.00 (+6.62%)	$732,900 (+14.62%) Land $504,400 Building $228,500
2023	$7,225.00	$639,400 Land $434,100 Building $205,300

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

Flood

FEMA maps place 490 Main St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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

Wildfire risk around 490 Main 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	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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