61 Howard Ave, Lynnfield, MA 01940 Property Records

Essex County and Lynnfield Town property record for 61 Howard Ave, Lynnfield, MA 01940

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,605 sqft · built 1900
Lot Size	0.258 acres (11,252 sqft)
Owner	2 Individual Names on File
Last Sale	$875,000 (Jul 2023)
Tax Bill	$9,592 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`LYNF M:0024 B:0000 L:2451`

Property Details

APN / Parcel Number

Primary APN	`LYNF M:0024 B:0000 L:2451`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,605 sqft Living Area
Gross Area	2,793 sqft
Basement Area	970 sqft
Unfinished Basement	970 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,252 sqft (0.258 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	61 HOWARD AVE
City	LYNNFIELD
State	MA
Zip	01940-1811
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	COL MATTHEW COX ESTATE
Legal Lot Number	2451
Jurisdiction	LYNNFIELD MA
Township / Civil Division	LYNNFIELD
Census Block Group	2
Census Block	2005
Census Tract	209200

Owner

61 Howard Ave is owned and occupied by two individuals who bought it in July 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	61 HOWARD AVE, LYNNFIELD, MA 01940-1811
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jul 28, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage PNC BANK NA
Aug 25, 2017	Deed of Trust, Mortgage · FHA Mortgage FINANCE AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2023 · Amount on File
Deed Sale	Jul 28, 2023 · Amount on File
Prior Sale	Jun 11, 1987 · Amount on File
Deed Document Number	20231820
Deed Book / Page	41685 / 262
Record Updated	Oct 29, 2026

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNNFIELD MA
Recording Date	Jul 28, 2023
Property Address	61 HOWARD AVE, LYNNFIELD, MA 01940-1811
Document Number	041685-262
Book / Page	41685 / 262
Instrument Date	Jul 28, 2023
Instrument	20230728001820
Transaction Type	Transfer
Record Updated	Aug 11, 2023

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	Tenants by the Entirety
Address	61 HOWARD AVE, LYNNFIELD, MA 01940-1811

Mortgage

Document Number	230728001830
Date	Jul 28, 2023
Instrument	230728001830

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Type Change Date	Aug 1, 2033
Max Rate At Change	3%
Index	Other
Margin	3

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	61 HOWARD AVE, LYNNFIELD, MA 01940-1811
Document Number	36142-370
Book / Page	036142 / 000370
Instrument Date	Aug 25, 2017
Transaction Type	Mortgage
Record Updated	Feb 7, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36142-370
Date	Aug 30, 2017
Book Page	036142/000370
Instrument	1708300489

Lender

Name	FINANCE AMERICA
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	960 Months
Due	Aug 29, 2097

Interest

Rate Type	Adjustable Rate
Rate	4.23%

Tax Assessment & Valuation

The 2026 property tax bill for 61 Howard Ave was $9,592, up 9.5% 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	$9,592.00 (+9.52%)	$837,000 (+0.92%) Land $542,700 Building $290,100	$934,587 (-0.12%)
2025	$8,758.00 (+9.08%)	$829,400 (+8.57%) Land $537,700 Building $291,700	$935,750
2024	$8,029.00 (-3.99%)	$763,900 (+3.22%) Land $497,800 Building $266,100
2023	$8,363.00	$740,100 Land $497,800 Building $242,300

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

Flood

FEMA maps place 61 Howard Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

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	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 61 Howard Ave 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 194 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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