976 Summer St, Lynnfield, MA 01940 Property Records

Essex County and Lynnfield Town property record for 976 Summer St, Lynnfield, MA 01940

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,678 sqft · built 1952
Lot Size	0.362 acres (15,747 sqft)
Owner	Individual Name on File
Last Sale	$309,000 (Jun 2001)
Tax Bill	$9,222 (2026)
Deeds & Mortgages	Apr 2021 Refinance Dec 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`LYNF M:0046 B:0000 L:2014`

Property Details

APN / Parcel Number

Primary APN	`LYNF M:0046 B:0000 L:2014`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,678 sqft Living Area
Gross Area	3,584 sqft
Basement Area	1,153 sqft
Unfinished Basement	1,153 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,747 sqft (0.362 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	976 SUMMER ST
City	LYNNFIELD
State	MA
Zip	01940-2239
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	2014
Jurisdiction	LYNNFIELD MA
Township / Civil Division	LYNNFIELD
Census Block Group	1
Census Block	1015
Census Tract	209100

Owner

976 Summer St is owned and occupied by an individual who acquired it in November 2019.

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

Owner of Record	Individual Name on File
Mailing Address	976 SUMMER ST, LYNNFIELD, MA 01940-2239
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 14, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance RICHARD J SAVAGE
Dec 31, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2001 · Amount on File
Deed Sale	Jun 27, 2001 · Amount on File
Prior Sale	Sep 30, 1994 · Amount on File
Last Transfer Date	Nov 15, 2019
Transfer Doc	0000608881
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	976 SUMMER ST, LYNNFIELD, MA 01940-2239
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000623994
Date	Apr 14, 2021
Instrument	623994

Lender

Name	RICHARD J SAVAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	337 Months
Due	May 1, 2049

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNNFIELD MA
Recording Date	Dec 31, 2019
Property Address	976 SUMMER ST, LYNNFIELD, MA 01940-2239
Document Number	0000608881
Instrument Date	Nov 15, 2019
Instrument	608881
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	976 SUMMER ST LYNNFIELD MA 019402239, LYNNFIELD, MA 01940-2239

Tax Assessment & Valuation

The 2026 property tax bill for 976 Summer St was $9,222, up 11.8% 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	$9,222.00 (+11.77%)	$804,700 (+3%) Land $501,700 Building $303,000	$785,149 (-1.93%)
2025	$8,251.00 (+10.53%)	$781,300 (+1%) Land $487,100 Building $294,200	$800,565
2024	$7,465.00	$710,300 (+7.52%) Land $442,800 Building $267,500
2023	$7,465.00	$660,600 Land $420,100 Building $240,500

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

Flood

FEMA maps place 976 Summer St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	2 (1982–2010)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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 976 Summer 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	None beyond 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	LYNNFIELD WATER DIST. (MWRA) serves 4,820 people · EPA ID MA3164001
Water Source	Purchased surface water from MWRA
Last State Inspection	Jun 2024
Lead	3 ppb (2025) 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 154 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Summer St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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