1 Charles St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 1 Charles St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,418 sqft · built 1966
Lot Size	0.138 acres (5,998 sqft)
Owner	Individual Name on Record
Last Sale	$578,000 (Jun 2023)
Tax Bill	$6,189 (2026)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Apr 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:010-F B:0010 L:0003`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:010-F B:0010 L:0003`
Alternative APNs	`M:010=F B:0010 L:0003` `94024`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,418 sqft Living Area
Gross Area	2,582 sqft
1st Floor Area	1,418 sqft
Basement Area	1,032 sqft
Unfinished Basement	1,032 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,998 sqft (0.138 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	94024
Street Address	1 CHARLES ST
City	SAUGUS
State	MA
Zip	01906-2225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	10
Legal Lot Number	3
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2004
Census Tract	208302

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1 CHARLES ST, SAUGUS, MA 01906-2225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage STONEHAM COOPERATIVE BANK
Apr 18, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2023 · Amount on Record
Deed Sale	Jun 7, 2023 · Amount on Record
Deed Document Number	20232920
Deed Book / Page	41602 / 248
Record Updated	Oct 29, 2026

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jun 7, 2023
Property Address	1 CHARLES ST, SAUGUS, MA 01906-2225
Document Number	041602-248
Book / Page	41602 / 248
Instrument Date	Jun 7, 2023
Instrument	20230607002920
Transaction Type	Transfer
Record Updated	Jun 23, 2023

Transaction

Amount	Amount Recorded
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	1 CHARLES ST, SAUGUS, MA 01906-2225

Mortgage

Document Number	230607002940
Date	Jun 7, 2023
Instrument	230607002940

Lender

Name	STONEHAM COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Jul 1, 2028
Max Rate At Change	3%
Index	Other
Margin	3

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Apr 18, 2019
Property Address	1 CHARLES ST, SAUGUS, MA 01906-2225
Document Number	37449-358
Book / Page	037449 / 000358
Instrument Date	Jan 3, 2019
Instrument	1904183530
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	44 NEW OCEAN ST SWAMPSCOTT MA 019071831, SWAMPSCOTT, MA 01907-1831

Tax Assessment & Valuation

Source: Essex County and Saugus Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Saugus Town
Unified School District	Saugus School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,189.00 (+4.53%)	$594,000 (+7.14%) Land $348,300 Building $244,400	$621,706 (+2.11%)
2025	$5,921.00 (+2.76%)	$554,400 (+2.48%) Land $318,200 Building $236,200	$608,855
2024	$5,762.00 (+3.95%)	$541,000 (+9.89%) Land $309,600 Building $231,400
2023	$5,543.00	$492,300 Land $270,900 Building $221,400

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	4 (2010–2024)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Jan 2024 · tidal / storm surge

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

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	SAUGUS WATER DEPT. (MWRA) serves 27,844 people · EPA ID MA3262000
Water Source	Purchased surface water from MWRA
Last State Inspection	May 2025
Lead	1 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 501 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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