97 Ocean St, Lynn, MA 01902 Property Records

Essex County and Lynn City property record for 97 Ocean St, Lynn, MA 01902

Property Summary

Property Type	Duplex
Details	5 bd · 3 ba · 4,059 sqft · built 1900
Lot Size	0.162 acres (7,074 sqft)
Owner	2 Individuals on Record
Last Sale	$625,000 (Dec 2019)
Tax Bill	$10,302 (2025)
Deeds & Mortgages	Aug 2020 Refinance Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`B:093 L:559 S:074`

Property Details

APN / Parcel Number

Primary APN	`B:093 L:559 S:074`
Alternative APN	`LYNN M:093 B:559 L:074`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	13 Rooms
Units	2 Units
Stories	3 Stories
Building Area	4,059 sqft Living Area
Gross Area	7,074 sqft
Basement Area	1,602 sqft
Unfinished Basement	1,602 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1964
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,074 sqft (0.162 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	97 OCEAN ST
City	LYNN
State	MA
Zip	01902-2199
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	559
Legal Lot Number	74
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	3
Census Block	3004
Census Tract	206600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 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.

Owner

Source: Essex County and Lynn City assessment roll, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individuals on Record
Mailing Address	32 DEER COVE ST, LYNN, MA 01902-3141
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Dec 18, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2019 · Amount on Record
Deed Sale	Dec 18, 2019 · Amount on Record
Prior Sale	Sep 22, 2015
Deed Book / Page	38126 / 275
Transfer Doc	34390-256
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	97 OCEAN ST, LYNN, MA 01902-2062
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38785-585
Date	Aug 4, 2020
Book Page	38785/585
Instrument	20200804004230

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Dec 18, 2019
Property Address	97 OCEAN ST, LYNN, MA 01902-2062
Document Number	38126-275
Book / Page	38126 / 275
Instrument Date	Dec 4, 2019
Instrument	20191218004300
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 DEER COVE ST, LYNN, MA 01902-3141

Mortgage

Document Number	191218004310
Date	Dec 18, 2019
Instrument	191218004310

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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
2025	$10,302.00 (+2.87%)	$994,368 (+4.55%) Land $231,300 Building $763,068
2024	$10,015.00 (+1.66%)	$951,100 (+7.65%) Land $245,100 Building $706,000
2023	$9,851.00	$883,500 Land $227,100 Building $656,400

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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
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

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

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 177 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

May also be available: AT&T, T-Mobile.

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