10 Kent St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,001 sqft · built 1890
Lot Size	0.11 acres (4,809 sqft)
Owner	2 Trust Names on File
Last Sale	$297,900 (Nov 2016)
Tax Bill	$5,494 (2026)
Deeds & Mortgages	Dec 2022 Line of Credit Nov 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:005-F B:0011 L:0016`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:005-F B:0011 L:0016`
Alternative APNs	`M:005=F B:0011 L:0016` `176016`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,001 sqft Living Area
Gross Area	2,086 sqft
1st Floor Area	572 sqft
Basement Area	572 sqft
Unfinished Basement	572 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,809 sqft (0.11 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	176016
Street Address	10 KENT ST
City	SAUGUS
State	MA
Zip	01906-3942
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	11
Legal Lot Number	16
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	3
Census Block	3006
Census Tract	208102

Owner

10 Kent St is owner-occupied and held in a trust since April 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	10 KENT ST, SAUGUS, MA 01906-3942
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

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
Dec 15, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Nov 23, 2021	Deed of Trust, Mortgage · ARM ROCKET MORTGAGE
Nov 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Nov 23, 2021	Deed of Trust, Mortgage · ARM ROCKET MORTGAGE
Nov 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Dec 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Aug 14, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2016 · Amount on File
Deed Sale	Nov 21, 2016 · Amount on File
Prior Sale	Mar 30, 2006 · Amount on File
Deed Book / Page	35459 / 474
Last Transfer Date	Apr 9, 2025
Transfer Doc	042705-341
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	10 KENT ST, SAUGUS, MA 01906-3942
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041352-67
Date	Dec 15, 2022
Book Page	41352/67
Instrument	20221215000200

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	10 KENT ST, SAUGUS, MA 01906-3942
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040513-350
Date	Nov 23, 2021
Book Page	40513/350
Instrument	20211123002960

Lender

Name	ROCKET MORTGAGE

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.13%
Type Change Date	Dec 1, 2028
Index	Other
Margin	3

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	10 KENT ST, SAUGUS, MA 01906-3942
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040476-329
Date	Nov 12, 2021
Book Page	40476/329
Instrument	20211112001450

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

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

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	10 KENT ST, SAUGUS, MA 01906-3942
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40513-350
Date	Nov 23, 2021
Book Page	40513/350
Instrument	20211123002960

Lender

Name	ROCKET MORTGAGE

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.13%
Type Change Date	Dec 1, 2028
Index	Other
Margin	3

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	10 KENT ST, SAUGUS, MA 01906-3942
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40476-329
Date	Nov 12, 2021
Book Page	40476/329
Instrument	20211112001450

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	10 KENT ST, SAUGUS, MA 01906-3942
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39329-440
Date	Dec 22, 2020
Book Page	39329/440
Instrument	20201222004440

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2050

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	10 KENT ST, SAUGUS, MA 01906-3942
Document Number	36119-97
Book / Page	036119 / 000097
Instrument Date	Aug 14, 2017
Transaction Type	Mortgage
Record Updated	Sep 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36119-97
Date	Aug 22, 2017
Book Page	036119/000097
Instrument	1708220334

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 21, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 10 Kent St was $5,494, up 3.9% 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	$5,494.00 (+3.86%)	$527,300 (+6.46%) Land $326,500 Building $196,600	$575,667 (+26.53%)
2025	$5,290.00 (+4.55%)	$495,300 (+4.25%) Land $296,800 Building $198,500	$454,955
2024	$5,060.00 (+7.04%)	$475,100 (+13.17%) Land $279,900 Building $195,200
2023	$4,727.00	$419,800 Land $245,900 Building $173,900

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

Flood

FEMA maps place 10 Kent St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

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 Claims	2 (1978)
Most Recent Claim	Feb 1978 · Coastal Storms, Flood, Ice & Snow

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

The area around 10 Kent St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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.

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