104 Howard St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 104 Howard St, Saugus, MA 01906

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,326 sqft · built 1900
Lot Size	0.374 acres (16,300 sqft)
Owner	Individual Name on File
Last Sale	$279,000 (Dec 2010)
Tax Bill	$7,191 (2026)
Deeds & Mortgages	May 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:010-B B:0002 L:0024`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:010-B B:0002 L:0024`
Alternative APNs	`M:010=B B:0002 L:0024` `10061033`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	3 Stories
Building Area	2,326 sqft Living Area
Gross Area	4,481 sqft
1st Floor Area	1,171 sqft
Basement Area	1,155 sqft
Unfinished Basement	1,155 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,300 sqft (0.374 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	10061033
Street Address	104 HOWARD ST
City	SAUGUS
State	MA
Zip	01906-4013
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	NA
Legal Block	2
Legal Lot Number	24
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1013
Census Tract	208402

Owner

104 Howard St, a duplex, is owned and occupied by an individual who bought it in December 2010.

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

Owner of Record	Individual Name on File
Mailing Address	104 HOWARD ST, SAUGUS, MA 01906-4013
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2010 · Amount on File
Deed Sale	Dec 13, 2010 · Amount on File
Deed Book / Page	30060 / 255
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	104 HOWARD ST, SAUGUS, MA 01906-4013
Transaction Type	Mortgage
Record Updated	Jun 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39913-487
Date	May 25, 2021
Book Page	39913/487
Instrument	20210525002040

Lender

Name	NORTH SHORE BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 104 Howard St was $7,191, up 14.3% 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	$7,191.00 (+14.31%)	$690,100 (+17.16%) Land $351,500 Building $338,600	$785,430
2025	$6,291.00 (+6.75%)	$589,000 (+6.45%) Land $317,800 Building $271,200
2024	$5,893.00 (+3.57%)	$553,300 (+9.5%) Land $288,900 Building $264,400
2023	$5,690.00	$505,300 Land $260,000 Building $245,300

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

Flood

FEMA maps place 104 Howard St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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 104 Howard St is low, with less than 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 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 268 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20