Essex County and Lynn City property record for 55 Cottage St, Lynn, MA 01905
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,642 sqft · built 1900 |
| Lot Size | 0.08 acres (3,498 sqft) |
| Owner | Individual Name on File |
| Last Sale | $195,000 (Sep 2015) |
| Tax Bill | $5,117 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | B:037 L:279 S:056 |
| Primary APN | B:037 L:279 S:056 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 3 Stories |
| Building Area | 1,642 sqft Living Area |
| Gross Area | 2,774 sqft |
| Basement Area | 644 sqft |
| Unfinished Basement | 644 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,498 sqft (0.08 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 55 COTTAGE ST |
|---|---|
| City | LYNN |
| State | MA |
| Zip | 01905-2306 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Block | 279 |
| Legal Lot Number | 56 |
| Jurisdiction | LYNN MA |
| Township / Civil Division | LYNN |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 205800 |
55 Cottage St is owned and occupied by an individual who bought it in September 2015.
Source: Essex County and Lynn City records, as of July 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 | Individual Name on File |
|---|---|
| Mailing Address | 55 COTTAGE ST, LYNN, MA 01905-2306 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 25, 2015 · Amount on File |
| Deed Sale | Sep 25, 2015 · Amount on File |
| Prior Sale | Dec 19, 2008 · Amount on File |
| Deed Book / Page | 34396 / 454 |
| Transfer Doc | 2693000071 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 55 Cottage St was $5,117, up 8.4% from the year before.
Source: Essex County and Lynn City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| Municipality | Lynn City |
| Unified School District | Lynn School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,117.00 (+8.39%) | $493,900 (+10.17%) Land $196,000 Building $297,900 | $482,505 |
| 2024 | $4,721.00 (+6.93%) | $448,300 (+13.21%) Land $180,000 Building $268,300 | |
| 2023 | $4,415.00 | $396,000 Land $160,400 Building $235,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 55 Cottage St 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 |
| Flood Insurance Cost | Premium on File median of 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 8 (1982–2018) |
| Claims Outside the SFHA | 1 of 8 |
| Most Recent Claim | Aug 2018 · 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.
The area around 55 Cottage 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 864 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 / 2,000 |
May also be available: AT&T, Starry, T-Mobile.
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