Essex County and Saugus Town property record for 10 Oak Point Rd, Saugus, MA 01906
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,276 sqft · built 1984 |
| Lot Size | 0.295 acres (12,863 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $274,500 (Jul 1998) |
| Tax Bill | $7,473 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit Sep 2017 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SAUG M:011-E B:0005 L:0009 |
| Primary APN | SAUG M:011-E B:0005 L:0009 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,276 sqft Living Area |
| Gross Area | 3,739 sqft |
| 1st Floor Area | 1,145 sqft |
| Basement Area | 1,131 sqft |
| Unfinished Basement | 1,131 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 12,863 sqft (0.295 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 9201010 |
|---|---|
| Street Address | 10 OAK POINT RD |
| City | SAUGUS |
| State | MA |
| Zip | 01906-2010 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NA |
| Legal Subdivision | MAP 1035 |
| Legal Block | 5 |
| Legal Lot Number | 9 |
| Jurisdiction | SAUGUS MA |
| Township / Civil Division | SAUGUS |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 208301 |
Source: Essex County and Saugus Town records · APN SAUG M:011-E B:0005 L:0009
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 10 OAK POINT RD, SAUGUS, MA 01906-2010 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 04, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Sep 29, 2017 | Deed of Trust, Mortgage BOKF NA |
| Jul 30, 2019 | Deed of Trust, Mortgage · Balloon Mortgage FIGURE LENDING LCC |
| Aug 05, 2020 | Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 30, 1998 · Amount on Record |
| Deed Sale | Jul 30, 1998 · Amount on Record |
| Prior Sale | Jun 27, 1995 · Amount on Record |
| Deed Book / Page | 14988 / 268 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 10 OAK POINT RD, SAUGUS, MA 01906-2010 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 40451-75 |
|---|---|
| Date | Nov 04, 2021 |
| Book Page | 40451/75 |
| Instrument | 20211104000540 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Dec 01, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 10 OAK POINT RD, SAUGUS, MA 01906-2010 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 36220-166 |
|---|---|
| Date | Sep 29, 2017 |
| Book Page | 36220/166 |
| Instrument | 1001 |
| Name | BOKF NA |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 10 OAK POINT RD, SAUGUS, MA 01906-2010 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 37707-71 |
|---|---|
| Date | Jul 30, 2019 |
| Book Page | 37707/71 |
| Instrument | 20190730001140 |
| Name | FIGURE LENDING LCC |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 10 OAK POINT RD, SAUGUS, MA 01906-2010 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38790-26 |
|---|---|
| Date | Aug 05, 2020 |
| Book Page | 38790/26 |
| Instrument | 20200805001620 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Sep 01, 2045 |
Source: Essex County and Saugus Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Saugus Town |
| Unified School District | Saugus School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,473.00 (+3.94%) | $699,700 (+3.64%) Land $325,000 Building $374,700 | $820,515 |
| 2024 | $7,190.00 (+3.27%) | $675,100 (+9.19%) Land $306,500 Building $368,600 | |
| 2023 | $6,962.00 | $618,300 Land $269,300 Building $349,000 |
Source: FEMA National Flood Hazard Layer as of July 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Nearby Flood Policies | 1 in force |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 337 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SAUGUS WATER DEPT. (MWRA) serves 27,844 people |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | May 2025 |
| Lead | 1 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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