975 Main St, Lynnfield, MA 01940 Property Records

Essex County and Lynnfield Town property record for 975 Main St, Lynnfield, MA 01940

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,905 sqft · built 1946
Lot Size	0.497 acres (21,658 sqft)
Owner	2 Individual Names on File
Last Sale	$564,000 (Aug 2018)
Tax Bill	$9,114 (2026)
Deeds & Mortgages	Jan 2021 Refinance Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`LYNF M:0020 B:0000 L:0615`

Property Details

APN / Parcel Number

Primary APN	`LYNF M:0020 B:0000 L:0615`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,905 sqft Living Area
Gross Area	3,060 sqft
Basement Area	892 sqft
Unfinished Basement	892 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,658 sqft (0.497 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	975 MAIN ST
City	LYNNFIELD
State	MA
Zip	01940-1173
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	615
Jurisdiction	LYNNFIELD MA
Township / Civil Division	LYNNFIELD
Census Block Group	1
Census Block	1005
Census Tract	209200

Owner

975 Main St is owned and occupied by two individuals who bought it in August 2018.

Source: Essex County and Lynnfield Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	975 MAIN ST, LYNNFIELD, MA 01940-1173
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Jan 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance STRONG HOME MORTGAGE LLC
Aug 27, 2018	Quit Claim Deed, Transfer WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2018 · Amount on File
Deed Sale	Aug 27, 2018 · Amount on File
Deed Book / Page	36966 / 180
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	975 MAIN ST, LYNNFIELD, MA 01940-1173
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039413-120
Date	Jan 15, 2021
Book Page	39413/120
Instrument	20210115000780

Lender

Name	STRONG HOME MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	169 Months
Due	Feb 1, 2035

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNNFIELD MA
Recording Date	Aug 27, 2018
Property Address	975 MAIN ST, LYNNFIELD, MA 01940-1173
Document Number	36966-180
Book / Page	36966 / 180
Instrument	180827002400
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	369660183
Date	Aug 27, 2018
Instrument	36966/0183

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 27, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 975 Main St was $9,114, up 12.9% from the year before.

Source: Essex County and Lynnfield Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Lynnfield Town
Unified School District	Lynnfield School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,114.00 (+12.89%)	$795,300 (+4.03%) Land $544,800 Building $250,500	$812,360 (+1.69%)
2025	$8,073.00 (+2%)	$764,500 (+1.51%) Land $523,700 Building $240,800	$798,855
2024	$7,915.00 (+6.57%)	$753,100 (+14.57%) Land $515,900 Building $237,200
2023	$7,427.00	$657,300 Land $444,100 Building $213,200

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

Flood

FEMA maps place 975 Main St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1978.

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	6 (1978–2015)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Sep 2015 · rainfall accumulation

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

Wildfire risk around 975 Main St is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	LYNNFIELD CENTER WATER DISTRICT serves 8,525 people · EPA ID MA3164000
Water Source	Purchased surface water from MWRA
Last State Inspection	Oct 2023
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

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, 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 175 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband.

Nearby Properties on Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures