108 Hamilton St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 108 Hamilton St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,142 sqft · built 1920
Lot Size	0.085 acres (3,703 sqft)
Owner	2 Individual Names on File
Last Sale	$323,000 (Aug 2017)
Tax Bill	$5,331 (2026)
Deeds & Mortgages	Jan 2021 Refinance Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:009-F B:0010 L:0005`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:009-F B:0010 L:0005`
Alternative APNs	`M:009=F B:0010 L:0005` `9924018`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,142 sqft Living Area
Gross Area	1,849 sqft
1st Floor Area	613 sqft
Basement Area	613 sqft
Unfinished Basement	613 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,703 sqft (0.085 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	9924018
Street Address	108 HAMILTON ST
City	SAUGUS
State	MA
Zip	01906-1529
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	10
Legal Lot Number	5
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2007
Census Tract	208302

Owner

108 Hamilton St is owned and occupied by two individuals who bought it in August 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	108 HAMILTON ST, SAUGUS, MA 01906-1529
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Aug 22, 2017	Quit Claim Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2017 · Amount on File
Deed Sale	Aug 22, 2017 · Amount on File
Prior Sale	Aug 5, 2011 · Amount on File
Deed Book / Page	36118 / 422
Transfer Doc	036118-422
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	108 HAMILTON ST, SAUGUS, MA 01906-1529
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039444-263
Date	Jan 25, 2021
Book Page	39444/263
Instrument	20210125000940

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

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

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Aug 22, 2017
Property Address	108 HAMILTON ST, SAUGUS, MA 01906-1529
Document Number	36118-422
Book / Page	36118 / 422
Instrument	272
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31.91
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 HAMILTON ST, SAUGUS, MA 01906-1529

Mortgage

Document Number	361180424
Date	Aug 22, 2017
Instrument	36118/0424

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 22, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 108 Hamilton St was $5,331, up 4.1% 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	$5,331.00 (+4.06%)	$511,600 (+6.65%) Land $305,500 Building $204,800	$554,180 (+12.99%)
2025	$5,123.00 (+6.66%)	$479,700 (+6.36%) Land $276,200 Building $203,500	$490,485
2024	$4,803.00 (+1.63%)	$451,000 (+7.46%) Land $251,100 Building $199,900
2023	$4,726.00	$419,700 Land $226,000 Building $193,700

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

Flood

FEMA maps place 108 Hamilton St in Zone X, an area of minimal flood risk, within 500 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 500 ft
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 108 Hamilton St 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	Direct burnable vegetation

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 337 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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