51 River St, Lynn, MA 01905 Property Records

Essex County and Lynn City property record for 51 River St, Lynn, MA 01905

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,132 sqft · built 1920
Lot Size	0.081 acres (3,515 sqft)
Owner	2 Individual Names on File
Last Sale	$520,000 (Dec 2024)
Tax Bill	$4,646 (2025)
Deeds & Mortgages	May 2020 Refinance Apr 2019 Mortgage
Flood Zone	Zone AE (high risk)
APN	`B:019 L:302 S:007`

Property Details

APN / Parcel Number

Primary APN	`B:019 L:302 S:007`
Alternative APN	`LYNN M:019 B:302 L:007`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,132 sqft Living Area
Gross Area	2,160 sqft
Basement Area	712 sqft
Unfinished Basement	712 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1966
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,515 sqft (0.081 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	51 RIVER ST
City	LYNN
State	MA
Zip	01905-2613
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Subdivision	JOSEPH MOULTON JR
Legal Block	302
Legal Lot Number	7
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	3
Census Block	3009
Census Tract	205800

Owner

51 River St is owned and occupied by two individuals who bought it in December 2024.

Source: Essex County and Lynn City records, as of September 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	51 RIVER ST, LYNN, MA 01905-2613
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
May 14, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance RELIANCE FIRST CAPITAL LLC
Apr 1, 2019	Deed of Trust, Mortgage · Conventional with PMI RELIANCE FIRST CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 2024 · Amount on File
Deed Sale	Dec 27, 2024 · Amount on File
Prior Sale	Aug 8, 2024 · Amount on File
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	51 RIVER ST, LYNN, MA 01905-2613
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38516-556
Date	May 14, 2020
Book Page	38516/556
Instrument	20200514003860

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	325 Months
Due	Jun 1, 2047

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	51 RIVER ST, LYNN, MA 01905-2613
Document Number	37430-151
Instrument Date	Apr 1, 2019
Transaction Type	Mortgage
Record Updated	Apr 23, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	51 RIVER ST LYNN MA 019052613, LYNN, MA 01905-2613

Mortgage

Document Number	37430-151
Date	Apr 9, 2019
Book Page	037430/000151
Instrument	9002360

Lender

Name	RELIANCE FIRST CAP
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	336 Months
Due	Apr 8, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 51 River St was $4,646, up 5.3% 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	$4,646.00 (+5.3%)	$448,500 (+7.04%) Land $196,100 Building $252,400	$491,055
2024	$4,412.00 (+6.91%)	$419,000 (+13.21%) Land $180,200 Building $238,800
2023	$4,127.00	$370,100 Land $160,500 Building $209,600

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

Flood

FEMA maps place 51 River St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 41 individual policies
Nearby Flood Policies	110 units insured incl. 69 condo units
Nearby Flood Claims	83 (1979–2024)
Claims Outside the SFHA	13 of 83
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Severe Winter Storm And Flooding, Mar 2018 · 3 claims Severe Storms And Flooding, May 2006 · 14 claims Extreme Weather Conditons And Flooding, Oct 1996 · 9 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

The area around 51 River St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land 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	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 137 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: Starry, T-Mobile.

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