54 Phillips Rd, Lynnfield, MA 01940 Property Records

Essex County and Lynnfield Town property record for 54 Phillips Rd, Lynnfield, MA 01940

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,657 sqft · built 1941
Lot Size	0.394 acres (17,163 sqft)
Owner	2 Individual Names on Record
Tax Bill	$9,428 (2026)
Deeds & Mortgages	Aug 2023 Mortgage Jan 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`LYNF M:0020 B:0000 L:2382`

Property Details

APN / Parcel Number

Primary APN	`LYNF M:0020 B:0000 L:2382`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,657 sqft Living Area
Gross Area	3,332 sqft
Basement Area	875 sqft
Unfinished Basement	875 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,163 sqft (0.394 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	54 PHILLIPS RD
City	LYNNFIELD
State	MA
Zip	01940-1728
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	2382
Jurisdiction	LYNNFIELD MA
Township / Civil Division	LYNNFIELD
Census Block Group	3
Census Block	3003
Census Tract	209200

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	54 PHILLIPS RD, LYNNFIELD, MA 01940-1728
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2023	Deed of Trust, Mortgage · ARM EASTERN BANK
Jan 18, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WAKEFIELD COOPERATIVE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	54 PHILLIPS RD, LYNNFIELD, MA 01940-1728
Transaction Type	Mortgage
Record Updated	Sep 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041735-11
Date	Aug 29, 2023
Book Page	41735/11
Instrument	20230829001670

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Type Change Date	Sep 1, 2033
Index	1-Year CMT

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	54 PHILLIPS RD, LYNNFIELD, MA 01940-1728
Transaction Type	Mortgage
Record Updated	Feb 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040661-112
Date	Jan 18, 2022
Book Page	40661/112
Instrument	20220118001360

Lender

Name	WAKEFIELD COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

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	$9,428.00 (+11.76%)	$822,700 (+2.98%) Land $581,400 Building $240,600	$820,857 (+2.69%)
2025	$8,436.00 (+4.48%)	$798,900 (+4%) Land $564,600 Building $234,300	$799,330
2024	$8,074.00 (-0.46%)	$768,200 (+7.02%) Land $542,900 Building $225,300
2023	$8,111.00	$717,800 Land $514,900 Building $202,900

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

Flood

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	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

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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