992 Summer St, Lynnfield, MA 01940 Property Records

Essex County and Lynnfield Town property record for 992 Summer St, Lynnfield, MA 01940

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,884 sqft · built 1954
Lot Size	0.374 acres (16,300 sqft)
Owner	2 Individual Names on File
Last Sale	$715,000 (Sep 2022)
Tax Bill	$8,856 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`LYNF M:0046 B:0000 L:2046`

Property Details

APN / Parcel Number

Primary APN	`LYNF M:0046 B:0000 L:2046`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,884 sqft Living Area
Gross Area	4,576 sqft
Basement Area	1,256 sqft
Unfinished Basement	1,256 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,300 sqft (0.374 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	992 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	2046
Jurisdiction	LYNNFIELD MA
Township / Civil Division	LYNNFIELD
Census Block Group	1
Census Block	1015
Census Tract	209100

Owner

992 Summer St is owned and occupied by two individuals who bought it in September 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	992 SUMMER ST, LYNNFIELD, MA 01940-2239
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2022 · Amount on File
Deed Sale	Sep 8, 2022 · Amount on File
Deed Book / Page	41177 / 309
Record Updated	Oct 29, 2026

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYNNFIELD MA
Recording Date	Sep 8, 2022
Property Address	992 SUMMER ST, LYNNFIELD, MA 01940-2239
Document Number	041177-309
Book / Page	41177 / 309
Instrument Date	Sep 8, 2022
Instrument	226
Transaction Type	Transfer
Record Updated	Nov 11, 2025

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
Relationship	Tenants by the Entirety
Address	992 SUMMER ST, LYNNFIELD, MA 01940-2239

Mortgage

Document Number	0000000227
Date	Sep 8, 2022
Instrument	227

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 992 Summer St was $8,856, 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	$8,856.00 (+11.78%)	$772,800 (+3%) Land $501,800 Building $270,500	$799,864 (-5.8%)
2025	$7,923.00 (+10.52%)	$750,300 (+1%) Land $487,200 Building $263,100	$849,110
2024	$7,169.00 (-2.37%)	$682,100 (+4.97%) Land $442,900 Building $239,200
2023	$7,343.00	$649,800 Land $420,200 Building $229,600

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

Flood

FEMA maps place 992 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 992 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