Essex County and Lynn City property record for 81 Ocean St, Lynn, MA 01902
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,251 sqft · built 1845 |
| Lot Size | 0.049 acres (2,126 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $500,000 (Nov 2022) |
| Tax Bill | $4,846 (2025) |
| Deeds & Mortgages | Nov 2022 Sale & Mortgage Aug 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B:102 L:559 S:071 |
| Primary APN | B:102 L:559 S:071 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,251 sqft Living Area |
| Gross Area | 2,136 sqft |
| Basement Area | 642 sqft |
| Unfinished Basement | 642 sqft |
| Year Built | Built 1845 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 2,126 sqft (0.049 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 81 OCEAN ST |
|---|---|
| City | LYNN |
| State | MA |
| Zip | 01902-2048 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 559 |
| Legal Lot Number | 71 |
| Jurisdiction | LYNN MA |
| Township / Civil Division | LYNN |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 206600 |
Source: Essex County and Lynn City records · APN B:102 L:559 S:071
Assessment roll updated April 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 81 OCEAN ST, LYNN, MA 01902-2048 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Nov 28, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNIBANK FOR SAVINGS |
| Aug 12, 2019 | Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 28, 2022 · Amount on Record |
| Deed Sale | Nov 28, 2022 · Amount on Record |
| Prior Sale | Dec 06, 2002 · Amount on Record |
| Last Transfer Date | Jun 24, 2025 |
| Transfer Doc | 042806-589 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LYNN MA |
| Recording Date | Nov 28, 2022 |
| Property Address | 81 OCEAN ST, LYNN, MA 01902-2048 |
| Document Number | 041321-339 |
| Book / Page | 41321 / 339 |
| Instrument Date | Nov 28, 2022 |
| Instrument | 20221128001880 |
| Transaction Type | Transfer |
| Record Updated | Dec 16, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 81 OCEAN ST, LYNN, MA 01902-2048 |
| Document Number | 221128001890 |
|---|---|
| Date | Nov 28, 2022 |
| Instrument | 221128001890 |
| Name | UNIBANK FOR SAVINGS |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.88% |
| Type Change Date | Dec 01, 2029 |
| Max Rate At Change | 2.88% |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYNN MA |
| Property Address | 81 OCEAN ST, LYNN, MA 01902-2048 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 37745-475 |
|---|---|
| Date | Aug 12, 2019 |
| Book Page | 37745/475 |
| Instrument | 20190812002680 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Essex County and Lynn City records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| Municipality | Lynn City |
| Unified School District | Lynn School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,846.00 (-0.78%) | $467,800 (+0.86%) Land $190,400 Building $277,400 | $572,470 |
| 2024 | $4,884.00 (+9.9%) | $463,800 (+16.36%) Land $201,700 Building $262,100 | |
| 2023 | $4,444.00 | $398,600 Land $186,900 Building $211,700 |
Source: FEMA National Flood Hazard Layer as of July 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1979) |
| Most Recent Claim | Feb 1979 · tidal / storm surge |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026
| Historic District | Within the Diamond Historic District listed 1996 · 590 contributing resources · NRIS 96001040 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
May also be available: AT&T, T-Mobile USA.
Based on FCC filings for 177 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LYNN WATER AND SEWER COMM serves 101,253 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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