10 Alder St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 10 Alder St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,168 sqft · built 1965
Lot Size	0.191 acres (8,329 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Jul 1997)
Tax Bill	$7,321 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:008-G B:0002 L:0003`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:008-G B:0002 L:0003`
Alternative APNs	`M:008=G B:0002 L:0003` `9390000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,168 sqft Living Area
Gross Area	2,528 sqft
1st Floor Area	1,190 sqft
Basement Area	1,150 sqft
Unfinished Basement	172 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Split Foyer
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,329 sqft (0.191 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	9390000
Street Address	10 ALDER ST
City	SAUGUS
State	MA
Zip	01906-1508
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	2
Legal Lot Number	3
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2033
Census Tract	208302

Owner

10 Alder St is owned and occupied by an individual who bought it in July 1997.

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

Owner of Record	Individual Name on File
Mailing Address	10 ALDER ST, SAUGUS, MA 01906-1508
Occupancy	Owner Occupied
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
Jul 13, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Apr 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK
May 28, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI
Oct 19, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 1997 · Amount on File
Deed Sale	Jul 31, 1997 · Amount on File
Deed Document Number	199768302
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Recording Date	Jul 13, 2026
Property Address	10 ALDER ST, SAUGUS, MA 01906-1508
Document Number	0000667459
Instrument Date	Jul 1, 2026
Instrument	2026667459
Transaction Type	Mortgage
Record Updated	Aug 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 ALDER ST, SAUGUS, MA 01906-1508

Mortgage

Document Number	0000667459,
Date	Jul 13, 2026
Instrument	2026667459

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.48%
Initial Type	Adjustable Rate
Max Rate	-1%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	10 ALDER ST, SAUGUS, MA 01906-1508
Document Number	0000611851
Instrument Date	Apr 4, 2020
Transaction Type	Mortgage
Record Updated	May 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 ALDER ST SAUGUS MA 019061508, SAUGUS, MA 01906-1508

Mortgage

Document Number	0000611851
Date	May 4, 2020
Instrument	611851

Lender

Name	CITIZENS BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	May 3, 2045

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	10 ALDER ST, SAUGUS, MA 01906-1508
Document Number	0000602655
Instrument Date	May 28, 2019
Transaction Type	Mortgage
Record Updated	Jul 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 ALDER ST SAUGUS MA 019061508, SAUGUS, MA 01906-1508

Mortgage

Document Number	0000602655
Date	Jun 11, 2019
Instrument	602655

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	10 ALDER ST, SAUGUS, MA 01906-1508
Document Number	0000597610
Instrument Date	Oct 19, 2018
Transaction Type	Mortgage
Record Updated	Dec 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 ALDER ST SAUGUS MA 019061508, SAUGUS, MA 01906-1508

Mortgage

Document Number	0000597610
Date	Nov 19, 2018
Instrument	597610

Lender

Name	CITIZENS BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 10 Alder St was $7,321, up 4.3% from the year before.

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	$7,321.00 (+4.26%)	$702,600 (+6.86%) Land $357,700 Building $337,800	$705,353 (+3.37%)
2025	$7,022.00 (+2.89%)	$657,500 (+2.61%) Land $326,800 Building $330,700	$682,385
2024	$6,825.00 (+4.71%)	$640,800 (+10.69%) Land $318,000 Building $322,800
2023	$6,518.00	$578,900 Land $278,200 Building $300,700

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

Flood

FEMA maps place 10 Alder 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 10 Alder 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	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 337 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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