5 Richards Rd, Lynnfield, MA 01940 Property Records

Essex County and Lynnfield Town property record for 5 Richards Rd, Lynnfield, MA 01940

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,547 sqft · built 1955
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Individual Names on File
Last Sale	$440,000 (Oct 2003)
Tax Bill	$11,287 (2026)
Deeds & Mortgages	Mar 2022 Refinance Nov 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`LYNF M:0020 B:0000 L:1797`

Property Details

APN / Parcel Number

Primary APN	`LYNF M:0020 B:0000 L:1797`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,547 sqft Living Area
Gross Area	3,549 sqft
Basement Area	1,902 sqft
Finished Basement	1,268 sqft
Unfinished Basement	634 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,001 sqft (0.23 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5 RICHARDS RD
City	LYNNFIELD
State	MA
Zip	01940-1175
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	1797
Jurisdiction	LYNNFIELD MA
Township / Civil Division	LYNNFIELD
Census Block Group	2
Census Block	2004
Census Tract	209200

Owner

5 Richards Rd is owned and occupied by two individuals who bought it in October 2003.

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

Owner of Record	2 Individual Names on File
Mailing Address	5 RICHARDS RD, LYNNFIELD, MA 01940-1175
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
Mar 22, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance HARVARD UNIVERSITY CREDIT UNION
Nov 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2003 · Amount on File
Deed Sale	Oct 10, 2003 · Amount on File
Prior Sale	Mar 30, 2001 · Amount on File
Deed Book / Page	21916 / 223
Transfer Doc	35087-441
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	5 RICHARDS RD, LYNNFIELD, MA 01940-1175
Transaction Type	Mortgage
Record Updated	Apr 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040809-10
Date	Mar 22, 2022
Book Page	40809/10
Instrument	20220322004350

Lender

Name	HARVARD UNIVERSITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Apr 1, 2047

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	5 RICHARDS RD, LYNNFIELD, MA 01940-1175
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40519-266
Date	Nov 24, 2021
Book Page	40519/266
Instrument	20211124003620

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2041

Tax Assessment & Valuation

The 2026 property tax bill for 5 Richards Rd was $11,287, up 11.8% 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	$11,287.00 (+11.75%)	$984,900 (+2.98%) Land $556,000 Building $427,400	$1,131,194 (+27.17%)
2025	$10,100.00 (+4.49%)	$956,400 (+3.99%) Land $539,900 Building $416,500	$889,485
2024	$9,666.00 (+0.29%)	$919,700 (+7.83%) Land $519,100 Building $400,600
2023	$9,638.00	$852,900 Land $492,300 Building $360,600

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

Flood

FEMA maps place 5 Richards Rd in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2025)
Most Recent Claim	Sep 2025 · rainfall accumulation

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 5 Richards Rd 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
Adjoins Burnable Land	Yes

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 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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