Essex County and Lynnfield Town property record for 821 Summer St, Lynnfield, MA 01940
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 2,396 sqft · built 1954 |
| Lot Size | 0.344 acres (15,002 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $454,900 (Jul 2017) |
| Tax Bill | $7,707 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit Nov 2020 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | LYNF M:0042 B:0000 L:1777 |
| Primary APN | LYNF M:0042 B:0000 L:1777 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,396 sqft Living Area |
| Gross Area | 3,069 sqft |
| Basement Area | 1,833 sqft |
| Finished Basement | 1,230 sqft |
| Unfinished Basement | 603 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,002 sqft (0.344 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 821 SUMMER ST |
|---|---|
| City | LYNNFIELD |
| State | MA |
| Zip | 01940-2031 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Subdivision | ROSE C ZOLA |
| Legal Lot Number | 1777 |
| Jurisdiction | LYNNFIELD MA |
| Township / Civil Division | LYNNFIELD |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 209100 |
Source: Essex County and Lynnfield Town records · APN LYNF M:0042 B:0000 L:1777
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 Individual Names on File |
|---|---|
| Mailing Address | 821 SUMMER ST, LYNNFIELD, MA 01940-2031 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| May 23, 2023 | Deed of Trust, Mortgage · Line of Credit EASTERN BANK |
| Nov 06, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE AFFINITY LLC |
| Apr 22, 2019 | Deed of Trust, Mortgage · Balloon Mortgage EAST BOSTON SAVINGS BANK |
| Nov 06, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Jul 21, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage PHH HM LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 21, 2017 · Amount on Record |
| Deed Sale | Jul 21, 2017 · Amount on Record |
| Deed Book / Page | 36037 / 598 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYNNFIELD MA |
| Property Address | 821 SUMMER ST, LYNNFIELD, MA 01940-2031 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 041575-549 |
|---|---|
| Date | May 23, 2023 |
| Book Page | 41575/549 |
| Instrument | 20230523000070 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYNNFIELD MA |
| Property Address | 821 SUMMER ST, LYNNFIELD, MA 01940-2031 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 039153-445 |
|---|---|
| Date | Nov 06, 2020 |
| Book Page | 39153/445 |
| Instrument | 20201106005440 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYNNFIELD MA |
| Property Address | 821 SUMMER ST, LYNNFIELD, MA 01940-2031 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 37455-380 |
|---|---|
| Date | Apr 22, 2019 |
| Book Page | 37455/380 |
| Instrument | 20190422003710 |
| Name | EAST BOSTON SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LYNNFIELD MA |
| Recording Date | Nov 06, 2020 |
| Property Address | 821 SUMMER ST, LYNNFIELD, MA 01940-2031 |
| Document Number | 39153-442 |
| Book / Page | 039153 / 000442 |
| Instrument Date | Nov 02, 2020 |
| Instrument | 6005430 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 821 SUMMER ST LYNNFIELD MA 019402031, LYNNFIELD, MA 01940-2031 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LYNNFIELD MA |
| Recording Date | Jul 21, 2017 |
| Property Address | 821 SUMMER ST, LYNNFIELD, MA 01940-2031 |
| Document Number | 36037-598 |
| Book / Page | 036037 / 000598 |
| Instrument Date | Jun 16, 2017 |
| Instrument | 1707210503 |
| Transaction Type | Transfer |
| Record Updated | Aug 08, 2017 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,074.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 821 SUMMER ST LYNNFIELD MA 019402031, LYNNFIELD, MA 01940-2031 |
| Document Number | 36037-600 |
|---|---|
| Date | Jul 21, 2017 |
| Book Page | 036037/000600 |
| Instrument | 1707210504 |
| Name | PHH HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 20, 2047 |
Source: Essex County and Lynnfield Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Lynnfield Town |
| Unified School District | Lynnfield 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 | $7,707.00 (+14.67%) | $729,800 (+14.12%) Land $486,900 Building $242,900 | $735,775 |
| 2024 | $6,721.00 (-1.15%) | $639,500 (+6.28%) Land $442,600 Building $196,900 | |
| 2023 | $6,799.00 | $601,700 Land $419,900 Building $181,800 |
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 | 6 in force |
| Nearby Flood Claims | 2 (1979–2014) |
| Most Recent Claim | Dec 2014 · river or lake flooding |
| Wildfire Risk | Low lower than 98% of the US · lower than 96% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
Based on FCC filings for 240 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 | LYNNFIELD CENTER WATER DISTRICT serves 8,525 people |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Oct 2023 |
| Lead | 4 ppb (2026) action level 15 ppb |
| 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 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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