10 Elaine Ave, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 10 Elaine Ave, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,146 sqft · built 1929
Lot Size	0.128 acres (5,576 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Jul 2012)
Tax Bill	$6,419 (2026)
Deeds & Mortgages	Feb 2021 Refinance Feb 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:006-G B:0012 L:0002`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:006-G B:0012 L:0002`
Alternative APNs	`M:006=G B:0012 L:0002` `33002`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,146 sqft Living Area
Gross Area	3,173 sqft
1st Floor Area	901 sqft
Basement Area	901 sqft
Unfinished Basement	901 sqft

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,576 sqft (0.128 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	33002
Street Address	10 ELAINE AVE
City	SAUGUS
State	MA
Zip	01906-2754
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Subdivision	LAWNDALE
Legal Block	12
Legal Lot Number	2
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	4
Census Block	4006
Census Tract	208101

Owner

10 Elaine Ave is owned and occupied by an individual who acquired it in February 2021.

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

Owner of Record	Individual Name on File
Mailing Address	10 ELAINE AVE, SAUGUS, MA 01906-2754
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
Feb 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SHAMROCK HOME LOANS
Feb 5, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance SHAMROCK HOME LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2012 · Amount on File
Deed Sale	Jul 30, 2012 · Amount on File
Deed Book / Page	31569 / 105
Last Transfer Date	Feb 1, 2021
Transfer Doc	39496-488
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	10 ELAINE AVE, SAUGUS, MA 01906-2754
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039496-492
Date	Feb 5, 2021
Book Page	39496/492
Instrument	20210205001500

Lender

Name	SHAMROCK HOME LOANS

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Feb 5, 2021
Property Address	10 ELAINE AVE, SAUGUS, MA 01906-2754
Document Number	039496-488
Book / Page	39496 / 488
Instrument Date	Feb 1, 2021
Instrument	20210205001490
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	10 ELAINE AVE, SAUGUS, MA 01906-2754

Mortgage

Document Number	039496-492
Date	Feb 5, 2021
Book Page	39496/492
Instrument	20210205001500

Lender

Name	SHAMROCK HOME LOANS

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 10 Elaine Ave was $6,419, up 29% 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	$6,419.00 (+29.03%)	$616,000 (+32.25%) Land $329,500 Building $286,300	$601,202 (+25.29%)
2025	$4,975.00 (+4.74%)	$465,800 (+4.44%) Land $299,500 Building $166,300	$479,845
2024	$4,750.00 (+2.11%)	$446,000 (+7.96%) Land $282,400 Building $163,600
2023	$4,652.00	$413,100 Land $248,200 Building $164,900

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

Flood

FEMA maps place 10 Elaine Ave in Zone X, an area of minimal flood risk, though there have been 35 flood claims nearby since 1979.

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 File median of 103 individual policies
Nearby Flood Policies	109 units insured incl. 6 condo units
Nearby Flood Claims	35 (1979–2025)
Claims Outside the SFHA	8 of 35
Most Recent Claim	Jan 2025 · other causes
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 claims Severe Storms And Flooding, May 2006 · 4 claims Extreme Weather Conditons And Flooding, Oct 1996 · 6 claims

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 Elaine Ave is low, with less than 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 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 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 683 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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