10 Sterling Ave, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 10 Sterling Ave, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,888 sqft · built 1957
Lot Size	0.232 acres (10,097 sqft)
Owner	2 Individual Names on File
Last Sale	$310,000 (Jan 2010)
Tax Bill	$6,843 (2026)
Deeds & Mortgages	Jan 2024 Mortgage Aug 2021 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:011-F B:0013 L:0012`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:011-F B:0013 L:0012`
Alternative APNs	`M:011=F B:0013 L:0012` `9884023`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,888 sqft Living Area
Gross Area	2,820 sqft
1st Floor Area	1,080 sqft
Basement Area	1,320 sqft
Unfinished Basement	792 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,097 sqft (0.232 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9884023
Street Address	10 STERLING AVE
City	SAUGUS
State	MA
Zip	01906-1318
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	13
Legal Lot Number	12
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2005
Census Tract	208302

Owner

10 Sterling Ave is owned and occupied by two individuals who bought it in January 2010.

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

Owner of Record	2 Individual Names on File
Mailing Address	10 STERLING AVE, SAUGUS, MA 01906-1318
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
Jan 17, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) WEBSTER FIRST FEDERAL CREDIT UNION
Aug 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CMG MORTGAGE INC
Aug 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CMG MORTGAGE INC
Sep 27, 2019	Deed of Trust, Mortgage · Conventional with PMI EAST BOSTON SVGS BK
Oct 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Jun 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2010 · Amount on File
Deed Sale	Jan 15, 2010 · Amount on File
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	10 STERLING AVE, SAUGUS, MA 01906-1318
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000649176
Date	Jan 17, 2024
Instrument	649176

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2039

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	10 STERLING AVE, SAUGUS, MA 01906-1318
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000628555
Date	Aug 24, 2021
Instrument	628555

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

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

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	10 STERLING AVE, SAUGUS, MA 01906-1318
Transaction Type	Mortgage
Record Updated	Sep 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	628555
Date	Aug 24, 2021
Instrument	628555

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

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

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	10 STERLING AVE, SAUGUS, MA 01906-1318
Document Number	0000606018
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10 STERLING AVE SAUGUS MA 019061318, SAUGUS, MA 01906-1318

Mortgage

Document Number	0000606018
Date	Oct 2, 2019
Instrument	606018

Lender

Name	EAST BOSTON SVGS BK
Type	Federal Savings Bank

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	10 STERLING AVE, SAUGUS, MA 01906-1318
Document Number	0000597135
Instrument Date	Oct 26, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10 STERLING AVE SAUGUS MA 019061318, SAUGUS, MA 01906-1318

Mortgage

Document Number	0000597135
Date	Oct 31, 2018
Instrument	597135

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 30, 2048

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	10 STERLING AVE, SAUGUS, MA 01906-1318
Document Number	0000583721
Instrument Date	Jun 22, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000583721
Date	Jun 27, 2017
Instrument	583721

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 26, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 10 Sterling Ave was $6,843, up 4.2% 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	$6,843.00 (+4.2%)	$656,700 (+6.8%) Land $364,900 Building $291,800	$757,876 (+32.01%)
2025	$6,567.00 (+2.56%)	$614,900 (+2.28%) Land $333,400 Building $281,500	$574,085
2024	$6,403.00 (+3.56%)	$601,200 (+9.49%) Land $324,300 Building $276,900
2023	$6,183.00	$549,100 Land $283,800 Building $265,300

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

Flood

FEMA maps place 10 Sterling Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2010.

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
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	4 (2010–2024)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Jan 2024 · tidal / storm surge

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

Wildfire risk around 10 Sterling Ave is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect 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 423 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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