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11 Harvard Ave, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 11 Harvard Ave, Saugus, MA 01906 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,088 sqft · built 1950
Lot Size0.207 acres (8,999 sqft)
OwnerIndividual Name on File
Last Sale$315,000 (Jul 2015)
Tax Bill$4,555 (2025)
Deeds & MortgagesJan 2021 Mortgage
Jul 2021 Mortgage
+ 4 more
Flood ZoneZone AE (high risk)
APNSAUG M:006-H B:0013 L:0007

Property Details

APN / Parcel Number

Primary APNSAUG M:006-H B:0013 L:0007
Alternative APNs
  • M:006=H B:0013 L:0007
  • 10278002

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories1 Story
Building Area1,088 sqft Living Area
Gross Area2,216 sqft
1st Floor Area1,088 sqft
Basement Area1,088 sqft
Unfinished Basement1,088 sqft

Exterior

Year BuiltBuilt 1950
Effective Year BuiltEffective 1950
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area8,999 sqft (0.207 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelOil

Location & Zoning

Account Number10278002
Street Address11 HARVARD AVE
CitySAUGUS
StateMA
Zip01906-1707
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Block13
Legal Lot Number7
JurisdictionSAUGUS MA
Township / Civil DivisionSAUGUS
Census Block Group1
Census Block1006
Census Tract208102

Owner

Source: Essex County and Saugus Town records · APN SAUG M:006-H B:0013 L:0007

Assessment roll updated April 14, 2026 · Last verified July 2026

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

Owner of RecordIndividual Name on File
Mailing Address11 HARVARD AVE, SAUGUS, MA 01906-1707
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 19, 2021Deed of Trust, Mortgage · FHA Mortgage
SECRETARY HOUSING URBAN DEVELOPMENT
Jul 22, 2021Deed of Trust, Mortgage · FHA Mortgage
SECRETARY HOUSING URBAN DEVELOPMENT
Sep 21, 2022Deed of Trust, Mortgage · Line of Credit
CITIZENS BANK
Oct 03, 2025Deed of Trust, Mortgage · Line of Credit
CITIZENS BANK
Jun 26, 2025Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
Mar 12, 2026Deed of Trust, Mortgage
CITIZENS BANK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 31, 2015 · Amount on Record
Deed SaleJul 31, 2015 · Amount on Record
Deed Book / Page34261 / 598
Record UpdatedSep 20, 2026

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAUGUS MA
Property Address11 HARVARD AVE, SAUGUS, MA 01906-1707
Transaction TypeMortgage
Record UpdatedApr 03, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number039425-415
DateJan 19, 2021
Book Page39425/415
Instrument20210119004760
Lender
NameSECRETARY HOUSING URBAN DEVELOPMENT
TypeGovernment Agency
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term289 Months
DueFeb 01, 2045

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAUGUS MA
Property Address11 HARVARD AVE, SAUGUS, MA 01906-1707
Transaction TypeMortgage
Record UpdatedApr 03, 2026
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0040104-21
DateJul 22, 2021
Book Page40104/21
Instrument20210722000350
Lender
NameSECRETARY HOUSING URBAN DEVELOPMENT
TypeGovernment Agency
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term289 Months
DueAug 01, 2045

September 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAUGUS MA
Property Address11 HARVARD AVE, SAUGUS, MA 01906-1707
Transaction TypeMortgage
Record UpdatedApr 03, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0041202-18
DateSep 21, 2022
Book Page41202/18
Lender
NameCITIZENS BANK
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Term301 Months
DueOct 01, 2047
Interest
Rate TypeAdjustable Rate

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAUGUS MA
Property Address11 HARVARD AVE, SAUGUS, MA 01906-1707
Transaction TypeMortgage
Record UpdatedApr 03, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number042987-424
DateOct 03, 2025
Book Page42987/424
Instrument20251003003100
Lender
NameCITIZENS BANK
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Term301 Months
DueNov 01, 2050
Interest
Rate TypeAdjustable Rate

June 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAUGUS MA
Property Address11 HARVARD AVE, SAUGUS, MA 01906-1707
Transaction TypeMortgage
Record UpdatedApr 03, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number042795-490
DateJun 26, 2025
Book Page42795/490
Instrument20250626001190
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2055

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAUGUS MA
Property Address11 HARVARD AVE, SAUGUS, MA 01906-1707
Transaction TypeMortgage
Record UpdatedApr 03, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number043267-285
DateMar 12, 2026
Book Page43267/285
Instrument600
Lender
NameCITIZENS BANK
TypeBank
Agreement
AmountAmount Recorded
Term301 Months
DueApr 01, 2051
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Essex County and Saugus Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyEssex County
County SubdivisionSaugus Town
Unified School DistrictSaugus School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$4,555.00 (+5.44%)$426,500 (+5.15%) Land $190,900 Building $235,600$568,480
2024$4,320.00 (+0.75%)$405,600 (+6.51%) Land $173,600 Building $232,000
2023$4,288.00$380,800 Land $156,200 Building $224,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Essex County (25009C), updated July 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250092081021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation10.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 46 individual NFIP policies nearby
Nearby Flood Policies46 in force
Nearby Flood Claims58 (1978–2024)
Claims Outside the SFHA4 of 58
Most Recent ClaimJan 2024, other causes
Claims By Storm
  • Severe Storms And Flooding, May 2006 · 6 claims
  • Extreme Weather Conditons And Flooding, Oct 1996 · 5 claims
  • Coastal Storm, Oct 1991 · 4 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 264 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250

May also be available at this address: Verizon, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

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