10 Richard St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,226 sqft · built 1860
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Last Sale	$145,000 (Jun 1997)
Tax Bill	$5,745 (2026)
Deeds & Mortgages	Dec 2021 Transfer Aug 2017 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`SAUG M:006-H B:0003 L:0014`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:006-H B:0003 L:0014`
Alternative APNs	`M:006=H B:0003 L:0014` `6623018`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,226 sqft Living Area
Gross Area	2,238 sqft
1st Floor Area	743 sqft
Basement Area	743 sqft
Unfinished Basement	743 sqft

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,001 sqft (0.115 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	6623018
Street Address	10 RICHARD ST
City	SAUGUS
State	MA
Zip	01906-2820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	3
Legal Lot Number	14
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1023
Census Tract	208102

Owner

10 Richard St is owned and occupied by two individuals who acquired it in December 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	10 RICHARD ST, SAUGUS, MA 01906-2820
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
Dec 9, 2021	Quit Claim Deed, Transfer Quitclaim
Aug 29, 2017	Deed of Trust, Mortgage · Line of Credit EASTERN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 1997 · Amount on File
Deed Sale	Jun 17, 1997 · Amount on File
Deed Book / Page	14162 / 573
Last Transfer Date	Dec 6, 2021
Transfer Doc	040559-454
Record Updated	Oct 29, 2026

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Dec 9, 2021
Property Address	10 RICHARD ST, SAUGUS, MA 01906-2820
Document Number	040559-454
Book / Page	40559 / 454
Instrument Date	Dec 6, 2021
Instrument	20211209001330
Transaction Type	Transfer
Record Updated	Dec 24, 2021

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
Relationship	Tenants in Common
Address	10 RICHARD ST, SAUGUS, MA 01906-2820

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	10 RICHARD ST, SAUGUS, MA 01906-2820
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36136-205
Date	Aug 29, 2017
Book Page	36136/205
Instrument	199

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 10 Richard St was $5,745, up 3.3% 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	$5,745.00 (+3.29%)	$551,300 (+5.86%) Land $344,300 Building $198,700	$602,248 (+10.83%)
2025	$5,562.00 (+2.54%)	$520,800 (+2.26%) Land $314,500 Building $206,300	$543,400
2024	$5,424.00 (+3.08%)	$509,300 (+8.99%) Land $306,000 Building $203,300
2023	$5,262.00	$467,300 Land $267,800 Building $199,500

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

Flood

FEMA maps place 10 Richard St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 46 policies
Nearby Flood Policies	46 in force
Nearby Flood Claims	58 (1978–2024)
Claims Outside the SFHA	4 of 58
Most Recent Claim	Jan 2024 · other causes
Claims by Event	Severe Storms And Flooding, May 2006 · 6 claims Extreme Weather Conditons And Flooding, Oct 1996 · 5 claims Coastal Storm, Oct 1991 · 4 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

The area around 10 Richard 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 577 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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