Essex County and Lynn City property record for 786 Summer St, Lynn, MA 01905
| Property Type | Duplex |
|---|---|
| Details | 7 bd · 2 ba · 2,551 sqft · built 1880 |
| Lot Size | 0.091 acres (3,960 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,000 (Jul 2010) |
| Tax Bill | $8,240 (2025) |
| Deeds & Mortgages | Jun 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | B:021 L:314 S:011 |
| Primary APN | B:021 L:314 S:011 |
|---|---|
| Alternative APN |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 13 Rooms |
| Units | 2 Units |
| Stories | 3 Stories |
| Building Area | 2,551 sqft Living Area |
| Gross Area | 4,090 sqft |
| Basement Area | 1,084 sqft |
| Unfinished Basement | 1,084 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Duplex Single |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,960 sqft (0.091 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 786 SUMMER ST |
|---|---|
| City | LYNN |
| State | MA |
| Zip | 01905-1930 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R2 |
| Legal Block | 314 |
| Legal Lot Number | 11 |
| Jurisdiction | LYNN MA |
| Township / Civil Division | LYNN |
| Census Block Group | 5 |
| Census Block | 5000 |
| Census Tract | 205700 |
786 Summer St, a duplex, is owned and occupied by two individuals who bought it in July 2010.
Source: Essex County and Lynn City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 786 SUMMER ST, LYNN, MA 01905-1930 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 23, 2010 · Amount on File |
| Deed Sale | Jul 23, 2010 · Amount on File |
| Prior Sale | Nov 2, 2009 · Amount on File |
| Deed Book / Page | 29623 / 377 |
| Transfer Doc | 28250-226 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYNN MA |
| Property Address | 786 SUMMER ST, LYNN, MA 01905-1930 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38590-602 |
|---|---|
| Date | Jun 8, 2020 |
| Book Page | 38590/602 |
| Instrument | 20200608002730 |
| Name | MSA LENDING LLC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2035 |
The 2025 property tax bill for 786 Summer St was $8,240, up 6.2% 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 | $8,240.00 (+6.16%) | $795,346 (+7.9%) Land $194,000 Building $601,346 | $767,768 |
| 2024 | $7,762.00 (-2.93%) | $737,100 (+2.79%) Land $180,400 Building $556,700 | |
| 2023 | $7,996.00 | $717,100 Land $199,500 Building $517,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 786 Summer 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 19 individual policies |
| Nearby Flood Policies | 73 units insured incl. 54 condo units |
| Nearby Flood Claims | 12 (1996–2024) |
| Claims Outside the SFHA | 3 of 12 |
| Most Recent Claim | Jan 2024 · river or lake 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 risk around 786 Summer St 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 99.1% of the US · lower than 98.7% 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures