12 Carlton St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,295 sqft · built 1954
Lot Size	0.095 acres (4,143 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,000 (May 2017)
Tax Bill	$5,575 (2026)
Deeds & Mortgages	Jun 2020 Refinance May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:007-F B:0029 L:0003`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:007-F B:0029 L:0003`
Alternative APNs	`M:007=F B:0029 L:0003` `2831003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,295 sqft Living Area
Gross Area	2,703 sqft
1st Floor Area	825 sqft
Basement Area	825 sqft
Unfinished Basement	825 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,143 sqft (0.095 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2831003
Street Address	12 CARLTON ST
City	SAUGUS
State	MA
Zip	01906-2608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	29
Legal Lot Number	3
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	3
Census Block	3014
Census Tract	208101

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 CARLTON ST, SAUGUS, MA 01906-2608
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
May 25, 2017	Quit Claim Deed, Transfer EASTERN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2017 · Amount on Record
Deed Sale	May 25, 2017 · Amount on Record
Deed Book / Page	35893 / 103
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	12 CARLTON ST, SAUGUS, MA 01906-2608
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38652-316
Date	Jun 26, 2020
Book Page	38652/316
Instrument	20200626003320

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2040

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	May 25, 2017
Property Address	12 CARLTON ST, SAUGUS, MA 01906-2608
Document Number	35893-103
Book / Page	35893 / 103
Instrument	334
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$34.35
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 CARLTON ST, SAUGUS, MA 01906-2608

Mortgage

Document Number	358930105
Date	May 25, 2017
Instrument	35893/0105

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 25, 2047

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	$5,575.00 (+3.57%)	$535,000 (+6.15%) Land $323,900 Building $210,900	$564,174 (+10.36%)
2025	$5,383.00 (+4.85%)	$504,000 (+4.54%) Land $294,500 Building $209,500	$511,195
2024	$5,134.00 (+4.05%)	$482,100 (+10.02%) Land $277,700 Building $204,400
2023	$4,934.00	$438,200 Land $244,000 Building $194,200

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 units insured incl. 6 condo units
Nearby Flood Claims	2 (1978–1996)
Most Recent Claim	Oct 1996 · Extreme Weather Conditons And Flooding

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 98% of the US · lower than 96% 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 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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