106 Vine St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 106 Vine St, Saugus, MA 01906

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,230 sqft · built 1920
Lot Size	0.429 acres (18,705 sqft)
Owner	2 Individual Names on File
Last Sale	$590,000 (Jan 2018)
Tax Bill	$8,203 (2026)
Deeds & Mortgages	Nov 2022 Line of Credit Oct 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:007-D B:0010 L:0004`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:007-D B:0010 L:0004`
Alternative APNs	`M:007=D B:0010 L:0004` `1295030`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,230 sqft Living Area
Gross Area	3,669 sqft
1st Floor Area	1,115 sqft
Basement Area	1,103 sqft
Unfinished Basement	1,103 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,705 sqft (0.429 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	1295030
Street Address	106 VINE ST
City	SAUGUS
State	MA
Zip	01906-3439
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	NA
Legal Subdivision	ROBERT J GANNON
Legal Block	10
Legal Lot Number	4
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	4
Census Block	4015
Census Tract	208200

Owner

106 Vine St, a duplex, is owned and occupied by two individuals who bought it in January 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	106 VINE ST, SAUGUS, MA 01906-3439
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
Nov 7, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Oct 19, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Jan 5, 2018	Quit Claim Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2018 · Amount on File
Deed Sale	Jan 5, 2018 · Amount on File
Deed Book / Page	36454 / 301
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	106 VINE ST, SAUGUS, MA 01906-3439
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041288-473
Date	Nov 7, 2022
Book Page	41288/473
Instrument	20221107000040

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	106 VINE ST, SAUGUS, MA 01906-3439
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39073-333
Date	Oct 19, 2020
Book Page	39073/333
Instrument	20201019004050

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jan 5, 2018
Property Address	106 VINE ST, SAUGUS, MA 01906-3439
Document Number	36454-301
Book / Page	036454 / 000301
Instrument Date	Dec 21, 2017
Instrument	1801053500
Transaction Type	Transfer
Record Updated	Jan 23, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,690.40
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 VINE ST SAUGUS MA 019063439, SAUGUS, MA 01906-3439

Mortgage

Document Number	36454-304
Date	Jan 5, 2018
Book Page	036454/000304
Instrument	1801053510

Lender

Name	GUARANTEED RATE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 4, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 106 Vine St was $8,203, up 2.7% 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	$8,203.00 (+2.68%)	$787,200 (+5.24%) Land $360,300 Building $426,900	$803,026
2025	$7,989.00 (+5.95%)	$748,000 (+5.65%) Land $325,700 Building $422,300
2024	$7,540.00 (+4.19%)	$708,000 (+10.16%) Land $296,100 Building $411,900
2023	$7,237.00	$642,700 Land $266,500 Building $376,200

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

Flood

FEMA maps place 106 Vine 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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	20 (1978–2011)
Claims Outside the SFHA	10 of 20
Most Recent Claim	Jul 2011
Claims by Event	Severe Storms And Flooding, May 2006 · 3 claims Flooding, Apr 2004 · 2 claims Heavy Rains And Flooding, Jun 1998 · 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 106 Vine 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 217 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

May also be available: Netafy.

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