40 Carter Rd, Lynn, MA, 01904
About This Home
LOCATION..., Live in the heart of one of Lynn's most coveted neighborhoods, just steps from scenic Flax Pond, where serene water views, nearby parks and convenient access to shopping, dining, and everyday amenities create an exceptional lifestyle. Nestled on a quiet tree line street, this charming Ward 1 Colonial offers 6 rooms, 3 bedrooms, and 1.5 baths. Make this house your home and bring your personal touch to its classic charm, featuring hardwood floors under the carpets, a fireplaced living room, and a bright formal dining room perfect for gatherings. The first floor also includes an eat-in kitchen and a convenient half bath. Upstairs, you'll find three bedrooms with ample closet space and a full bath. Additional highlights include finished walk up attic and a full basement with laundry, interior access, and abundant storage space. Outside, enjoy a fully fenced backyard ideal for entertaining, gardening, or simply relaxing, along with a one-car garage and a private driveway.
Getting Around
Very Walkable
Some Transit
BikeableSchools
Construction
Condition
- Year built: 1923
Materials
- Foundation: Stone
- Roof: Shingle
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Colonial
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Water Heater,Range,Dishwasher
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Full,Interior Entry
Bathroom1
- Features: Bathroom - Half
- Level: First
Bathroom2
- Features: Bathroom - Full, Bathroom - With Tub & Shower
- Level: Second
Bedroom2
- Features: Ceiling Fan(s), Closet, Flooring - Hardwood, Flooring - Wall to Wall Carpet
- Level: Second
Bedroom3
- Features: Closet, Flooring - Hardwood, Flooring - Wall to Wall Carpet
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Dining Room
- Features: Flooring - Hardwood, Flooring - Wall to Wall Carpet
- Level: First
Features
- Closet,Bedroom
- Window features: Insulated Windows
- Flooring: Tile,Vinyl,Carpet,Flooring - Wall to Wall Carpet
- Number of fireplaces: 1
- Fireplace: Yes
- Finished area above ground: 1,827
Heating & Cooling
- Heating features: Steam,Oil
- Cooling features: None
Interior Area
- Total structure area: 1,827
- Total interior livable area: 1,827 sqft
Kitchen
- Features: Flooring - Stone/Ceramic Tile
- Level: First
Living Room
- Features: Flooring - Hardwood, Flooring - Wall to Wall Carpet
- Level: First
Master Bathroom
- Features: No
Master Bedroom
- Features: Closet, Flooring - Hardwood, Flooring - Wall to Wall Carpet
- Level: Second
Property
Details
- Parcel number: M:086 B:175 L:009,1990582
- Zoning: R1
Features
- Patio & porch: Porch
- Exterior features: Porch
- Fencing: Fenced/Enclosed
- Has view: Yes
- View description: Water,Pond
- Has water view: Yes
- Water view: Pond,Water
Lot
- Lot size: 5,009 sqft
Parking
- Total spaces: 4
- Parking features: Detached,Paved Drive,Off Street
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
- Has uncovered spaces: Yes
- Uncovered spaces: 3
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Inland Flooding
- Ice Storm
- Lightning
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters Across Massachusetts Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,160 | $37,920 |
| Home Insurance * | $211 | $2,532 |
| Property Taxes | $530 | $6,360 |
| Electricity | $360 | $4,323 |
| Total | $4,261 | $51,132 |
Income You'd Need if You Spent...
Massachusetts FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-10 | Contingent | $625,000 |
| 2026-07-29 | Price change | $625,000 |
| 2026-06-09 | Listed for sale | $650,000 |
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