11 Ernest St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 11 Ernest St, Saugus, MA 01906

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,359 sqft · built 1880
Lot Size	0.169 acres (7,340 sqft)
Owner	2 Individual Names on Record
Last Sale	$800,000 (Aug 2023)
Tax Bill	$7,911 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jul 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:004-F B:0008 L:0001`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:004-F B:0008 L:0001`
Alternative APNs	`M:004=F B:0008 L:0001` `7822032`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Units	2 Units
Stories	3 Stories
Building Area	2,359 sqft Living Area
Gross Area	3,988 sqft
1st Floor Area	1,063 sqft
Basement Area	1,063 sqft
Unfinished Basement	1,063 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Conventional
Exterior Material	Asbestos
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,340 sqft (0.169 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	7822032
Street Address	11 ERNEST ST
City	SAUGUS
State	MA
Zip	01906-3833
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	NA
Legal Block	8
Legal Lot Number	1
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2000
Census Tract	208102

Owner

Source: Essex County and Saugus Town records, as of April 14, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	11 ERNEST ST, SAUGUS, MA 01906-3833
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC
Jul 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2023 · Amount on Record
Deed Sale	Aug 11, 2023 · Amount on Record
Deed Document Number	20232760
Deed Book / Page	41709 / 283
Record Updated	Jun 8, 2026

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Aug 11, 2023
Property Address	11 ERNEST ST, SAUGUS, MA 01906-3833
Document Number	041709-283
Book / Page	41709 / 283
Instrument Date	Aug 11, 2023
Instrument	20230811002760
Transaction Type	Transfer
Record Updated	Aug 25, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11 ERNEST ST, SAUGUS, MA 01906-3833

Mortgage

Document Number	230811002770
Date	Aug 11, 2023
Instrument	230811002770

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	11 ERNEST ST, SAUGUS, MA 01906-3833
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040114-133
Date	Jul 26, 2021
Book Page	40114/133
Instrument	20210726003910

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

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
2025	$7,911.00 (+12.63%)	$740,700 (+12.31%) Land $305,700 Building $435,000
2024	$7,024.00 (+5.37%)	$659,500 (+11.4%) Land $288,200 Building $371,300
2023	$6,666.00	$592,000 Land $253,300 Building $338,700

Assessed value is set for property tax purposes and is not a market price estimate.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	6 (1978–2023)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Aug 2023 · other causes
Claims by Event	Severe Storms And Flooding, May 2006 · 2 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

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 623 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband, Netafy.

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