78 Carter Rd, Lynn, MA 01904 Property Records

Essex County and Lynn City property record for 78 Carter Rd, Lynn, MA 01904

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,477 sqft · built 1927
Lot Size	0.118 acres (5,158 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Dec 2013)
Tax Bill	$5,767 (2025)
Deeds & Mortgages	Apr 2022 Refinance Feb 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`B:072 L:175 S:002`

Property Details

APN / Parcel Number

Primary APN	`B:072 L:175 S:002`
Alternative APN	`LYNN M:072 B:175 L:002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,477 sqft Living Area
Gross Area	3,708 sqft
Basement Area	873 sqft
Unfinished Basement	873 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1967
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,158 sqft (0.118 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	78 CARTER RD
City	LYNN
State	MA
Zip	01904-2607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	CITY LYNN
Legal Block	175
Legal Lot Number	2
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	2
Census Block	2004
Census Tract	205200

Owner

78 Carter Rd is owned and occupied by an individual who bought it in December 2013.

Source: Essex County and Lynn City records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	78 CARTER RD, LYNN, MA 01904-2607
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 8, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Feb 27, 2023	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Aug 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Aug 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
May 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2013 · Amount on File
Deed Sale	Dec 13, 2013 · Amount on File
Prior Sale	Aug 29, 2003 · Amount on File
Deed Book / Page	33014 / 299
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	78 CARTER RD, LYNN, MA 01904-2607
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040849-416
Date	Apr 8, 2022
Book Page	40849/416
Instrument	20220408001120

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	78 CARTER RD, LYNN, MA 01904-2607
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041452-497
Date	Feb 27, 2023
Book Page	41452/497
Instrument	20230227000530

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	78 CARTER RD, LYNN, MA 01904-2607
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040183-329
Date	Aug 17, 2021
Book Page	40183/329
Instrument	20210817001790

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	78 CARTER RD, LYNN, MA 01904-2607
Transaction Type	Mortgage
Record Updated	Sep 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40183-329
Date	Aug 17, 2021
Book Page	40183/329
Instrument	20210817001790

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	78 CARTER RD, LYNN, MA 01904-2607
Document Number	37544-532
Instrument Date	May 23, 2019
Transaction Type	Mortgage
Record Updated	Jun 18, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 CARTER RD LYNN MA 019042607, LYNN, MA 01904-2607

Mortgage

Document Number	37544-532
Date	May 30, 2019
Book Page	037544/000532
Instrument	190530770

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 29, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 78 Carter Rd was $5,767, up 0.9% 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	$5,767.00 (+0.91%)	$556,700 (+2.58%) Land $200,400 Building $356,300	$542,165
2024	$5,715.00 (+5.42%)	$542,700 (+11.62%) Land $194,700 Building $348,000
2023	$5,421.00	$486,200 Land $191,200 Building $295,000

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

Flood

FEMA maps place 78 Carter Rd 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 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	7 (1978–2018)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Aug 2018 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2006 · 2 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

Wildfire risk around 78 Carter Rd is low, with less than 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 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 397 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: T-Mobile.

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