97A River St, Lynn, MA 01905 Property Records

Essex County and Lynn City property record for 97A River St, Lynn, MA 01905

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,320 sqft · built 1930
Lot Size	0.083 acres (3,594 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (Apr 2021)
Tax Bill	$7,370 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Apr 2017 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`B:019 L:305 S:012`

Property Details

APN / Parcel Number

Primary APN	`B:019 L:305 S:012`
Alternative APN	`LYNN M:019 B:305 L:012`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,320 sqft Living Area
Gross Area	3,585 sqft
Basement Area	1,160 sqft
Unfinished Basement	1,160 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1968
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	3,594 sqft (0.083 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	97A RIVER ST
City	LYNN
State	MA
Zip	01905-2627
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R4
Legal Block	305
Legal Lot Number	12
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	3
Census Block	3004
Census Tract	205800

Owner

97A River St, a duplex, is owned by two individuals who bought it in April 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	97 RIVER ST, A, LYNN, MA 01905-2627
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 6, 2021	Quit Claim Deed, Transfer · FHA Mortgage NEW FED MORTGAGE CORP
Apr 12, 2017	Quit Claim Deed, Transfer WASHINGTON TRUST MTG
Mar 16, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2021 · Amount on File
Deed Sale	Apr 6, 2021 · Amount on File
Prior Sale	Jul 22, 2016 · Amount on File
Deed Book / Page	39740 / 394
Prior Transfer Date	Apr 5, 2021
Prior Transfer Doc	39740-394
Record Updated	Oct 29, 2026

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Apr 6, 2021
Property Address	97A RIVER ST, LYNN, MA 01905-2627
Document Number	039740-394
Book / Page	39740 / 394
Instrument Date	Apr 5, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount on Record
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	97A RIVER ST, LYNN, MA 01905-2627

Mortgage

Document Number	0039740396
Date	Apr 6, 2021
Instrument	39740/396

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	FHA Mortgage
Amount	Amount on Record

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Apr 12, 2017
Property Address	97A RIVER ST, LYNN, MA 01905-2627
Document Number	035792-560
Book / Page	35792 / 560
Instrument	273
Transaction Type	Transfer
Record Updated	Jun 28, 2022

Transaction

Tax	$51.48
Amount Accuracy	Non-Arm's Length Transaction
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	035792-562
Date	Apr 12, 2017
Book Page	35792/562
Instrument	274

Lender

Name	WASHINGTON TRUST MTG

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2047

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNN MA
Recording Date	Mar 16, 2017
Property Address	97A RIVER ST, LYNN, MA 01905-2627
Document Number	35737-167
Book / Page	035737 / 000167
Instrument Date	Mar 16, 2017
Instrument	1703160145
Transaction Type	Transfer
Record Updated	Apr 4, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	83-85 CHATHAM ST LYNN MA 019022340, LYNN, MA 01902-2340

Tax Assessment & Valuation

The 2025 property tax bill for 97A River St was $7,370, 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	$7,370.00 (+6.47%)	$711,423 (+8.22%) Land $186,700 Building $524,723	$707,338
2024	$6,922.00 (+2.56%)	$657,400 (+8.61%) Land $171,500 Building $485,900
2023	$6,749.00	$605,300 Land $152,800 Building $452,500

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

Flood

FEMA maps place 97A River 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 41 individual policies
Nearby Flood Policies	110 units insured incl. 69 condo units
Nearby Flood Claims	83 (1979–2024)
Claims Outside the SFHA	13 of 83
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Severe Winter Storm And Flooding, Mar 2018 · 3 claims Severe Storms And Flooding, May 2006 · 14 claims Extreme Weather Conditons And Flooding, Oct 1996 · 9 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 97A River 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 264 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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