981 Summer St, Lynnfield, MA 01940 Property Records

Essex County and Lynnfield Town property record for 981 Summer St, Lynnfield, MA 01940

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 3,237 sqft · built 1957
Lot Size	0.379 acres (16,501 sqft)
Owner	2 Individual Names on File
Last Sale	$1,100,000 (Sep 2024)
Tax Bill	$11,486 (2026)
Deeds & Mortgages	May 2023 Mortgage Feb 2024 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`LYNF M:0046 B:0000 L:1993`

Property Details

APN / Parcel Number

Primary APN	`LYNF M:0046 B:0000 L:1993`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	3 Stories
Building Area	3,237 sqft Living Area
Gross Area	4,871 sqft
Basement Area	864 sqft
Unfinished Basement	216 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 2023
Architectural Style	Colonial
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,501 sqft (0.379 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	981 SUMMER ST
City	LYNNFIELD
State	MA
Zip	01940-2241
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	LAND LYNNFIELD
Legal Lot Number	1993
Jurisdiction	LYNNFIELD MA
Township / Civil Division	LYNNFIELD
Census Block Group	3
Census Block	3016
Census Tract	209100

Owner

981 Summer St is owned and occupied by two individuals who bought it in September 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	981 SUMMER ST, LYNNFIELD, MA 01940-2241
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
May 26, 2023	Deed of Trust, Mortgage · Commercial Mortgage HINGHAM INSTITUTION FOR SAVINGS
Feb 8, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance EOF REAL PROP I LLC
Feb 15, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance EVO ORIGIN FUNDING LL
May 26, 2023	Quit Claim Deed, Transfer Quitclaim
Aug 18, 2021	Quit Claim Deed, Construction Loan · Construction Mortgage ABL 2 LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2024 · Amount on File
Deed Sale	Sep 23, 2024 · Amount on File
Prior Sale	Aug 18, 2021 · Amount on File
Deed Book / Page	42338 / 290
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	981 SUMMER ST, LYNNFIELD, MA 01940-2241
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041583-200
Date	May 26, 2023
Book Page	41583/200
Instrument	20230526001200

Lender

Name	HINGHAM INSTITUTION FOR SAVINGS
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	981 SUMMER ST, LYNNFIELD, MA 01940-2241
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041980-45
Date	Feb 8, 2024
Book Page	41980/45
Instrument	20240208002450

Lender

Name	EOF REAL PROP I LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNNFIELD MA
Property Address	981 SUMMER ST, LYNNFIELD, MA 01940-2241
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041987-422
Date	Feb 15, 2024
Book Page	41987/422
Instrument	20240215002410

Lender

Name	EVO ORIGIN FUNDING LL

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNNFIELD MA
Recording Date	May 26, 2023
Property Address	981 SUMMER ST, LYNNFIELD, MA 01940-2241
Document Number	041583-198
Book / Page	41583 / 198
Instrument Date	May 18, 2023
Instrument	20230526001190
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 DUDLEY ST, BOSTON, MA 02119-2603

August 2021: Quit Claim Deed, Construction Loan

Document Type	Quit Claim Deed
Jurisdiction	LYNNFIELD MA
Recording Date	Aug 18, 2021
Property Address	981 SUMMER ST, LYNNFIELD, MA 01940-2241
Document Number	40187-139
Book / Page	40187 / 139
Instrument Date	Aug 17, 2021
Instrument	20210818001270
Transaction Type	Construction Loan
Record Updated	Sep 3, 2021

Transaction

Amount	Amount 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	7 JACKSON AVE, EVERETT, MA 02149-5214

Mortgage

Document Number	210818001280
Date	Aug 18, 2021
Instrument	210818001280

Lender

Name	ABL 2 LLC

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 981 Summer St was $11,486, up 16.9% 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	$11,486.00 (+16.92%)	$1,002,300 (+7.74%) Land $501,900 Building $500,400	$1,040,418 (-2.29%)
2025	$9,824.00 (+36.52%)	$930,300 (+35.87%) Land $487,300 Building $443,000	$1,064,760
2024	$7,196.00 (-0.21%)	$684,700 (+7.3%) Land $442,900 Building $241,800
2023	$7,211.00	$638,100 Land $420,200 Building $217,900

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

Flood

FEMA maps place 981 Summer St in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (1979–2014)
Most Recent Claim	Dec 2014 · river or lake 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 981 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

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