7 Charing Cross, Lynnfield, MA 01940 Property Records

Essex County and Lynnfield Town property record for 7 Charing Cross, Lynnfield, MA 01940

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 4,725 sqft · built 1975
Lot Size	1.48 acres (64,521 sqft)
Owner	2 Individual Names on File
Last Sale	$790,000 (Dec 2003)
Tax Bill	$15,447 (2026)
Deeds & Mortgages	Mar 2021 Line of Credit Jun 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`LYNF M:0019 B:0000 L:2487`

Property Details

APN / Parcel Number

Primary APN	`LYNF M:0019 B:0000 L:2487`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,725 sqft Living Area
Gross Area	5,425 sqft
Basement Area	1,808 sqft
Finished Basement	1,808 sqft
Unfinished Basement	1,808 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	64,521 sqft (1.48 acres)
Garage Type	Attached
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	7 CHARING CROSS
City	LYNNFIELD
State	MA
Zip	01940-2435
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Lot Number	2487
Jurisdiction	LYNNFIELD MA
Township / Civil Division	LYNNFIELD
Census Block Group	3
Census Block	3000
Census Tract	209200

Owner

7 Charing Cross is owned and occupied by two individuals who bought it in December 2003.

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

Owner of Record	2 Individual Names on File
Mailing Address	7 CHARING CROSS, LYNNFIELD, MA 01940-2435
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
Mar 25, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND
Jun 27, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jul 1, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2003 · Amount on File
Deed Sale	Dec 2, 2003 · Amount on File
Prior Sale	Mar 25, 1992 · Amount on File
Deed Book / Page	22144 / 2
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	7 CHARING CROSS, LYNNFIELD, MA 01940-2435
Transaction Type	Mortgage
Record Updated	Apr 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39685-207
Date	Mar 25, 2021
Book Page	39685/207
Instrument	20210325000690

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Apr 1, 2046

Interest

Rate Type	Adjustable Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	7 CHARING CROSS, LYNNFIELD, MA 01940-2435
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36820-221
Date	Jun 27, 2018
Book Page	36820/221
Instrument	180627004640

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	7 CHARING CROSS, LYNNFIELD, MA 01940-2435
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38675-249
Date	Jul 1, 2020
Book Page	38675/249
Instrument	20200701006460

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 7 Charing Cross was $15,447, up 11.5% 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	$15,447.00 (+11.51%)	$1,347,900 (+2.76%) Land $795,000 Building $536,800	$1,559,060 (+2.61%)
2025	$13,852.00 (+3.24%)	$1,311,700 (+2.75%) Land $771,700 Building $540,000	$1,519,335
2024	$13,417.00 (+4.65%)	$1,276,600 (+12.52%) Land $749,200 Building $527,400
2023	$12,821.00	$1,134,600 Land $664,200 Building $470,400

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

Flood

FEMA maps place 7 Charing Cross in Zone X, an area of minimal flood risk, within 100 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 A, within 100 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

Wildfire risk around 7 Charing Cross 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 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G and 4G LTE (outdoors only)

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