106 Winter St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Duplex
Details	6 bd · 4 ba · 3,272 sqft · built 1920
Lot Size	0.138 acres (5,998 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (Feb 2010)
Tax Bill	$9,143 (2026)
Deeds & Mortgages	Sep 2026 Mortgage May 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:007-F B:0034 L:0004`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:007-F B:0034 L:0004`
Alternative APNs	`M:007=F B:0034 L:0004` `5862027`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	3 Stories
Building Area	3,272 sqft Living Area
Gross Area	5,836 sqft
1st Floor Area	1,474 sqft
Basement Area	1,080 sqft
Unfinished Basement	1,080 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,998 sqft (0.138 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	5862027
Street Address	106 WINTER ST
City	SAUGUS
State	MA
Zip	01906-1625
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	NA
Legal Block	34
Legal Lot Number	4
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1006
Census Tract	208200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	6 CAROLE DR, SAUGUS, MA 01906-2105
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2026	Quit Claim Deed, Transfer · Conventional Mortgage LIBERTY BANK
May 19, 2023	Quit Claim Deed, Transfer Quitclaim
Apr 10, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jul 3, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2010 · Amount on Record
Deed Sale	Feb 2, 2010 · Amount on Record
Deed Document Number	2010
Deed Book / Page	29257 / 162
Last Transfer Date	Sep 4, 2026
Transfer Doc	0000003600
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Sep 9, 2026
Property Address	106 WINTER ST, SAUGUS, MA 01906-1625
Document Number	0000003600
Book / Page	43620 / 152
Instrument Date	Sep 4, 2026
Instrument	20263600
Transaction Type	Transfer
Record Updated	Sep 30, 2026

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
Address	6 CAROLE DR, SAUGUS, MA 01906-2105

Mortgage

Date	Sep 9, 2026

Lender

Name	LIBERTY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Initial Type	Adjustable Rate
Type Change Date	Oct 1, 2033
Index	Other
Margin	3
Max Rate	-1%

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	May 19, 2023
Property Address	106 WINTER ST, SAUGUS, MA 01906-1625
Document Number	041573-104
Book / Page	41573 / 104
Instrument Date	May 19, 2023
Instrument	20230519003690
Transaction Type	Transfer
Record Updated	Jun 2, 2023

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
Address	6 CAROLE DR, SAUGUS, MA 01906-2105

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	106 WINTER ST, SAUGUS, MA 01906-1625
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35787-232
Date	Apr 10, 2017
Book Page	35787/232
Instrument	228

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	106 WINTER ST, SAUGUS, MA 01906-1625
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36841-177
Date	Jul 3, 2018
Book Page	36841/177
Instrument	180703002810

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

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	$9,143.00 (+1.82%)	$877,400 (+4.35%) Land $313,900 Building $562,700	$849,158
2025	$8,980.00 (+6.35%)	$840,800 (+6.04%) Land $283,800 Building $557,000
2024	$8,444.00 (+4.73%)	$792,900 (+10.72%) Land $258,000 Building $534,900
2023	$8,063.00	$716,100 Land $232,200 Building $483,900

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

Flood

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1979–1988)
Most Recent Claim	Jan 1988 · rainfall accumulation

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

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 486 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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