Essex County and Saugus Town property record for 10 Oak St, Saugus, MA 01906
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 1,933 sqft · built 1910 |
| Lot Size | 0.19 acres (8,259 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $423,000 (May 2019) |
| Tax Bill | $7,856 (2026) |
| Deeds & Mortgages | Jun 2023 Mortgage Oct 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SAUG M:006-E B:0018 L:0013 |
| Primary APN | SAUG M:006-E B:0018 L:0013 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,933 sqft Living Area |
| Gross Area | 3,406 sqft |
| 1st Floor Area | 964 sqft |
| Basement Area | 964 sqft |
| Unfinished Basement | 964 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Duplex Single |
| Exterior Material | Other |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 8,259 sqft (0.19 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 5875007 |
|---|---|
| Street Address | 10 OAK ST |
| City | SAUGUS |
| State | MA |
| Zip | 01906-3623 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | NA |
| Legal Block | 18 |
| Legal Lot Number | 13 |
| Jurisdiction | SAUGUS MA |
| Township / Civil Division | SAUGUS |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 208200 |
Source: Essex County and Saugus Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 10 OAK ST, SAUGUS, MA 01906-3623 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 14, 2023 | Deed of Trust, Mortgage · ARM NORTH SHORE BANK |
| Oct 26, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| May 31, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| May 31, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage SANTANDER BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2019 · Amount on Record |
| Deed Sale | May 31, 2019 · Amount on Record |
| Deed Document Number | 20194600 |
| Deed Book / Page | 37553 / 329 |
| Prior Transfer Date | May 6, 2019 |
| Prior Transfer Doc | 37553-329 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 10 OAK ST, SAUGUS, MA 01906-3623 |
| Transaction Type | Mortgage |
| Record Updated | Jul 3, 2023 |
| Name | Verified Name |
|---|
| Document Number | 041611-355 |
|---|---|
| Date | Jun 14, 2023 |
| Book Page | 41611/355 |
| Instrument | 20230614000970 |
| Name | NORTH SHORE BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Type Change Date | Jul 1, 2028 |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 10 OAK ST, SAUGUS, MA 01906-3623 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 40411-304 |
|---|---|
| Date | Oct 26, 2021 |
| Book Page | 40411/304 |
| Instrument | 20211026003180 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Nov 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAUGUS MA |
| Recording Date | May 31, 2019 |
| Property Address | 10 OAK ST, SAUGUS, MA 01906-3623 |
| Document Number | 37552-217 |
| Book / Page | 037552 / 000217 |
| Instrument Date | May 6, 2019 |
| Instrument | 1905313000 |
| Transaction Type | Transfer |
| Record Updated | Jun 18, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 HIDDEN POND LN NORTH READING MA 018641551, NORTH READING, MA 01864-1551 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAUGUS MA |
| Recording Date | May 31, 2019 |
| Property Address | 10 OAK ST, SAUGUS, MA 01906-3623 |
| Document Number | 37553-329 |
| Book / Page | 37553 / 329 |
| Instrument Date | May 6, 2019 |
| Instrument | 20190531004600 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10 OAK ST, SAUGUS, MA 01906-3623 |
| Document Number | 190531004610 |
|---|---|
| Date | May 31, 2019 |
| Instrument | 190531004610 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Essex County and Saugus Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Saugus Town |
| Unified School District | Saugus School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,856.00 (+2.41%) | $753,900 (+4.96%) Land $339,800 Building $414,100 | $747,930 |
| 2025 | $7,671.00 (+5.23%) | $718,300 (+4.94%) Land $308,900 Building $409,400 | |
| 2024 | $7,290.00 (+5.36%) | $684,500 (+11.39%) Land $291,300 Building $393,200 | |
| 2023 | $6,919.00 | $614,500 Land $256,000 Building $358,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
| Nearby Flood Claims | 6 (1979–2010) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
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: 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 554 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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