Essex County and Saugus Town property record for 12 Charles St, Saugus, MA 01906
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,492 sqft · built 1940 |
| Lot Size | 0.434 acres (18,901 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $225,000 (Oct 1996) |
| Tax Bill | $8,176 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | SAUG M:010-F B:0011 L:0007 |
| Primary APN | SAUG M:010-F B:0011 L:0007 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,492 sqft Living Area |
| Gross Area | 4,720 sqft |
| 1st Floor Area | 1,088 sqft |
| Basement Area | 960 sqft |
| Unfinished Basement | 960 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 18,901 sqft (0.434 acres) |
| Garage Type | Attached |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 2240021 |
|---|---|
| Street Address | 12 CHARLES ST |
| City | SAUGUS |
| State | MA |
| Zip | 01906-2226 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NA |
| Legal Block | 11 |
| Legal Lot Number | 7 |
| Jurisdiction | SAUGUS MA |
| Township / Civil Division | SAUGUS |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 208302 |
12 Charles St is owned and occupied by two individuals who bought it in October 1996.
Source: Essex County and Saugus Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12 CHARLES ST, SAUGUS, MA 01906-2226 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 15, 1996 · Amount on File |
| Deed Sale | Oct 15, 1996 · Amount on File |
| Deed Book / Page | 13798 / 6 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 12 Charles St was $8,176, up 3.7% from the year before.
Source: Essex County and Saugus Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Saugus Town |
| Unified School District | Saugus School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,176.00 (+3.69%) | $784,600 (+6.27%) Land $380,500 Building $403,600 | $807,673 (+3.03%) |
| 2025 | $7,885.00 (+2.36%) | $738,300 (+2.07%) Land $347,600 Building $390,700 | $783,940 |
| 2024 | $7,703.00 (+3.33%) | $723,300 (+9.24%) Land $338,200 Building $385,100 | |
| 2023 | $7,455.00 | $662,100 Land $296,000 Building $366,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Charles St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2010.
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 |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 4 (2010–2024) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Jan 2024 · tidal / storm surge |
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 risk around 12 Charles St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 501 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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