51 Ledge Rd, Lynnfield, MA 01940 Property Records

Essex County and Lynnfield Town property record for 51 Ledge Rd, Lynnfield, MA 01940

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,998 sqft · built 1940
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Individual Names on File
Last Sale	$660,000 (Aug 2024)
Tax Bill	$7,680 (2026)
Deeds & Mortgages	Nov 2021 Refinance Oct 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`LYNF M:0056 B:0000 L:0634`

Property Details

APN / Parcel Number

Primary APN	`LYNF M:0056 B:0000 L:0634`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,998 sqft Living Area
Gross Area	2,233 sqft
Basement Area	820 sqft
Unfinished Basement	205 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2017
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,001 sqft (0.23 acres)
Garage Type	Detached

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	51 LEDGE RD
City	LYNNFIELD
State	MA
Zip	01940-1513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	634
Jurisdiction	LYNNFIELD MA
Township / Civil Division	LYNNFIELD
Census Block Group	5
Census Block	5019
Census Tract	209100

Owner

51 Ledge Rd is owned and occupied by two individuals who acquired it in October 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	51 LEDGE RD, LYNNFIELD, MA 01940-1513
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
Nov 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Oct 27, 2025	Quit Claim Deed, Transfer FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 19, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC
Jan 18, 2018	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2024 · Amount on File
Deed Sale	Aug 15, 2024 · Amount on File
Prior Sale	Mar 19, 2020 · Amount on File
Deed Document Number	2024780
Deed Book / Page	42273 / 208
Last Transfer Date	Oct 22, 2025
Transfer Doc	043028-391
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	51 LEDGE RD, LYNNFIELD, MA 01940-1513
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040514-516
Date	Nov 23, 2021
Book Page	40514/516
Instrument	20211123004650

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNNFIELD MA
Recording Date	Oct 27, 2025
Property Address	51 LEDGE RD, LYNNFIELD, MA 01940-1513
Document Number	043028-391
Book / Page	43028 / 391
Instrument Date	Oct 22, 2025
Instrument	20251027000810
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	51 LEDGE RD, LYNNFIELD, MA 01940-1513

Mortgage

Document Number	20251027000820
Date	Oct 27, 2025
Instrument	20251027000820

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNNFIELD MA
Recording Date	Mar 19, 2020
Property Address	51 LEDGE RD, LYNNFIELD, MA 01940-1513
Document Number	38348-360
Book / Page	38348 / 360
Instrument Date	Mar 13, 2020
Instrument	20200319001970
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
Relationship	Joint Tenants with Right of Survivorship
Address	51 LEDGE RD, LYNNFIELD, MA 01940-1513

Mortgage

Document Number	200319001980
Date	Mar 19, 2020
Instrument	200319001980

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNNFIELD MA
Recording Date	Jan 18, 2018
Property Address	51 LEDGE RD, LYNNFIELD, MA 01940-1513
Document Number	36478-30
Book / Page	036478 / 000030
Instrument Date	Dec 22, 2017
Instrument	1801182250
Transaction Type	Transfer
Record Updated	Feb 6, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,439.14
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	51 LEDGE RD LYNNFIELD MA 019401513, LYNNFIELD, MA 01940-1513

Mortgage

Document Number	36478-33
Date	Jan 18, 2018
Book Page	036478/000033
Instrument	1801182260

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 17, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 51 Ledge Rd was $7,680, up 1.8% 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	$7,680.00 (+1.78%)	$670,200 (-6.21%) Land $483,000 Building $183,000	$716,704 (+15.23%)
2025	$7,546.00 (+13.46%)	$714,600 (+12.93%) Land $478,800 Building $235,800	$621,965
2024	$6,651.00 (-0.92%)	$632,800 (+6.51%) Land $423,700 Building $209,100
2023	$6,713.00	$594,100 Land $401,900 Building $192,200

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

Flood

FEMA maps place 51 Ledge Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1999.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	6 (1999–2014)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Dec 2014 · other causes
Claims by Event	Severe Storms And Flooding, May 2006 · 3 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

Wildfire risk around 51 Ledge 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 WATER DIST. (MWRA) serves 4,820 people · EPA ID MA3164001
Water Source	Purchased surface water from MWRA
Last State Inspection	Jun 2024
Lead	3 ppb (2025) 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 235 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

May also be available: T-Mobile.

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