11 Henry St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,484 sqft · built 1930
Lot Size	0.11 acres (4,800 sqft)
Owner	2 Trust Names on File
Tax Bill	$5,910 (2026)
Deeds & Mortgages	Mar 2022 Transfer Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:005-H B:0008 L:0032`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:005-H B:0008 L:0032`
Alternative APNs	`M:005=H B:0008 L:0032` `1404000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,484 sqft Living Area
Gross Area	3,107 sqft
1st Floor Area	903 sqft
Basement Area	775 sqft
Unfinished Basement	775 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,800 sqft (0.11 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	1404000
Street Address	11 HENRY ST
City	SAUGUS
State	MA
Zip	01906-1814
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Subdivision	BALLARD PARK
Legal Block	8
Legal Lot Number	32
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	4
Census Block	4001
Census Tract	208101

Owner

11 Henry St is owner-occupied and held in a trust since February 2022.

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

Owner of Record	2 Trust Names on File
Mailing Address	11 HENRY ST, SAUGUS, MA 01906-1814
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Mar 9, 2022	Quit Claim Deed, Transfer Quitclaim
Dec 15, 2020	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 22, 2022
Transfer Doc	040778-528
Record Updated	Oct 29, 2026

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Mar 9, 2022
Property Address	11 HENRY ST, SAUGUS, MA 01906-1814
Document Number	040778-528
Book / Page	40778 / 528
Instrument Date	Feb 22, 2022
Instrument	20220309001870
Transaction Type	Transfer
Record Updated	Mar 25, 2022

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	11 HENRY ST, SAUGUS, MA 01906-1814

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	11 HENRY ST, SAUGUS, MA 01906-1814
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39295-170
Date	Dec 15, 2020
Book Page	39295/170
Instrument	20201215001010

Lender

Name	THE FEDERAL SAVINGS BANK

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 11 Henry St was $5,910, up 3.3% 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	$5,910.00 (+3.32%)	$567,200 (+5.9%) Land $326,500 Building $239,200	$584,134 (-12.22%)
2025	$5,720.00 (+4.67%)	$535,600 (+4.39%) Land $296,800 Building $238,800	$665,475
2024	$5,465.00 (+1.56%)	$513,100 (+7.37%) Land $279,800 Building $233,300
2023	$5,381.00	$477,900 Land $245,900 Building $232,000

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

Flood

FEMA maps place 11 Henry 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
Flood Insurance Cost	Premium on File median of 103 individual policies
Nearby Flood Policies	109 units insured incl. 6 condo units
Nearby Flood Claims	35 (1979–2025)
Claims Outside the SFHA	8 of 35
Most Recent Claim	Jan 2025 · other causes
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 claims Severe Storms And Flooding, May 2006 · 4 claims Extreme Weather Conditons And Flooding, Oct 1996 · 6 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 11 Henry 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 577 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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