10 Ernest St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,776 sqft · built 1906
Lot Size	0.174 acres (7,579 sqft)
Owner	2 Individual Names on Record
Last Sale	$515,000 (Sep 2020)
Tax Bill	$6,522 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:005-F B:0001 L:0012`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:005-F B:0001 L:0012`
Alternative APNs	`M:005=F B:0001 L:0012` `9094032`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	1,776 sqft Living Area
Gross Area	3,304 sqft
1st Floor Area	728 sqft
Basement Area	668 sqft
Unfinished Basement	668 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,579 sqft (0.174 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	9094032
Street Address	10 ERNEST ST
City	SAUGUS
State	MA
Zip	01906-3834
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	1
Legal Lot Number	12
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2000
Census Tract	208102

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	10 ERNEST ST, SAUGUS, MA 01906-3834
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2020 · Amount on Record
Deed Sale	Sep 22, 2020 · Amount on Record
Prior Sale	Dec 30, 2005 · Amount on Record
Deed Book / Page	38967 / 147
Transfer Doc	34258-22
Record Updated	Sep 20, 2026

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Sep 22, 2020
Property Address	10 ERNEST ST, SAUGUS, MA 01906-3834
Document Number	38967-147
Book / Page	38967 / 147
Instrument Date	Sep 18, 2020
Instrument	20200922005710
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Relationship	Tenants by the Entirety
Address	ERNEST ST, SAUGUS, MA

Mortgage

Document Number	200922005720
Date	Sep 22, 2020
Instrument	200922005720

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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
2025	$6,522.00 (+4.22%)	$610,700 (+3.93%) Land $306,500 Building $304,200	$648,375
2024	$6,258.00 (+1.87%)	$587,600 (+7.7%) Land $289,000 Building $298,600
2023	$6,143.00	$545,600 Land $254,000 Building $291,600

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	6 (1978–2023)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Aug 2023 · other causes
Claims by Event	Severe Storms And Flooding, May 2006 · 2 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

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 623 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband, Netafy.

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