86 Neptune St, Lynn, MA 01905 Property Records

Essex County and Lynn City property record for 86 Neptune St, Lynn, MA 01905

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,117 sqft · built 1900
Lot Size	0.075 acres (3,276 sqft)
Owner	Individual Name on File
Last Sale	$785,000 (Jul 2024)
Tax Bill	$6,795 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`B:036 L:772 S:008`

Property Details

APN / Parcel Number

Primary APN	`B:036 L:772 S:008`
Alternative APN	`LYNN M:036 B:772 L:008`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	3 Stories
Building Area	2,117 sqft Living Area
Gross Area	3,282 sqft
Basement Area	716 sqft
Unfinished Basement	716 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1903
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,276 sqft (0.075 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	86 NEPTUNE ST
City	LYNN
State	MA
Zip	01905-2835
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R4
Legal Block	772
Legal Lot Number	8
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	1
Census Block	1012
Census Tract	207200

Owner

86 Neptune St, a duplex, is owned and occupied by an individual who bought it in July 2024.

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

Owner of Record	Individual Name on File
Mailing Address	86 NEPTUNE ST, LYNN, MA 01905-2835
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2024 · Amount on File
Deed Sale	Jul 16, 2024 · Amount on File
Prior Sale	Dec 20, 2021 · Amount on File
Deed Book / Page	42220 / 459
Record Updated	Oct 29, 2026

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Dec 20, 2021
Property Address	86 NEPTUNE ST, LYNN, MA 01905-2835
Document Number	040590-389
Book / Page	40590 / 389
Instrument Date	Dec 17, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 NEPTUNE ST, LYNN, MA 01905-2835

Mortgage

Document Number	0040590391
Date	Dec 20, 2021
Instrument	40590/391

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	040638-302
Date	Jan 6, 2022
Book Page	40638/302
Instrument	20220106002520

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 86 Neptune St was $6,795, up 6.5% 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	$6,795.00 (+6.45%)	$655,843 (+8.19%) Land $194,700 Building $461,143	$734,086
2024	$6,383.00 (+2.74%)	$606,200 (+8.79%) Land $178,900 Building $427,300
2023	$6,213.00	$557,200 Land $159,300 Building $397,900

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

Flood

FEMA maps place 86 Neptune St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 88 individual policies
Nearby Flood Policies	90 units insured incl. 2 condo units
Nearby Flood Claims	82 (1979–2025)
Claims Outside the SFHA	29 of 82
Most Recent Claim	Jan 2025 · rainfall accumulation
Claims by Event	Extreme Weather Conditons And Flooding, Oct 1996 · 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

The area around 86 Neptune St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 650 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.

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