12 Ballard St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 12 Ballard St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,320 sqft · built 1915
Lot Size	0.092 acres (4,021 sqft)
Owner	2 Individual Names on Record
Last Sale	$575,000 (Dec 2023)
Tax Bill	$5,430 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Dec 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:006-H B:0005 L:0001`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:006-H B:0005 L:0001`
Alternative APNs	`M:006=H B:0005 L:0001` `3852025`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,320 sqft Living Area
Gross Area	2,191 sqft
1st Floor Area	650 sqft
Basement Area	650 sqft
Unfinished Basement	650 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,021 sqft (0.092 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	3852025
Street Address	12 BALLARD ST
City	SAUGUS
State	MA
Zip	01906-1704
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	5
Legal Lot Number	1
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1012
Census Tract	208102

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	2 Individual Names on Record
Mailing Address	12 BALLARD ST, SAUGUS, MA 01906-1704
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2026	Deed of Trust, Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Dec 5, 2023	Quit Claim Deed, Transfer · FHA Mortgage CMG MORTGAGE INC
Nov 16, 2023	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2023 · Amount on Record
Deed Sale	Dec 5, 2023 · Amount on Record
Prior Sale	Oct 19, 2010
Deed Document Number	2023648428
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	12 BALLARD ST, SAUGUS, MA 01906-1704
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000664946
Date	Mar 10, 2026
Instrument	664946

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Dec 5, 2023
Property Address	12 BALLARD ST, SAUGUS, MA 01906-1704
Document Number	0000648428
Instrument Date	Dec 5, 2023
Instrument	648428
Transaction Type	Transfer
Record Updated	Dec 22, 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	12 BALLARD ST, SAUGUS, MA 01906-1704

Mortgage

Document Number	0000648429
Date	Dec 5, 2023
Instrument	648429

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Nov 16, 2023
Property Address	12 BALLARD ST, SAUGUS, MA 01906-1704
Document Number	0000648041
Instrument Date	Nov 15, 2023
Instrument	648041
Transaction Type	Transfer
Record Updated	Dec 8, 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	12 BALLARD ST, SAUGUS, MA 01906-1704

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	$5,430.00 (+3.55%)	$521,100 (+6.13%) Land $306,700 Building $207,700	$587,062 (+2.06%)
2025	$5,244.00 (+7.17%)	$491,000 (+6.88%) Land $277,300 Building $213,700	$575,225
2024	$4,893.00 (+0.97%)	$459,400 (+6.74%) Land $252,100 Building $207,300
2023	$4,846.00	$430,400 Land $226,900 Building $203,500

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
Flood Insurance Cost	Premium on Record median of 46 policies
Nearby Flood Policies	46 in force
Nearby Flood Claims	58 (1978–2024)
Claims Outside the SFHA	4 of 58
Most Recent Claim	Jan 2024 · other causes
Claims by Event	Severe Storms And Flooding, May 2006 · 6 claims Extreme Weather Conditons And Flooding, Oct 1996 · 5 claims Coastal Storm, Oct 1991 · 4 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	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 450 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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