12 Cider Mill Rd, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 12 Cider Mill Rd, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,562 sqft · built 2003
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Company Names on Record
Last Sale	$235,000 (May 2002)
Tax Bill	$9,371 (2025)
Deeds & Mortgages	May 2025 Line of Credit Apr 2024 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:009-F B:0022 L:0007`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:009-F B:0022 L:0007`
Alternative APNs	`M:009=F B:0022 L:0007` `99033712`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,562 sqft Living Area
Gross Area	4,792 sqft
1st Floor Area	896 sqft
Basement Area	1,314 sqft
Unfinished Basement	1,314 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,001 sqft (0.23 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	99033712
Street Address	12 CIDER MILL RD
City	SAUGUS
State	MA
Zip	01906-1482
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Subdivision	BELLEVUE HEIGHTS
Legal Block	22
Legal Lot Number	7
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2008
Census Tract	208302

Owner

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

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

Owner of Record	2 Company Names on Record
Mailing Address	12 CIDER MILL RD, SAUGUS, MA 01906-1482
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
May 2, 2025	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Apr 18, 2024	Quit Claim Deed, Transfer Quitclaim
May 3, 2021	Quit Claim Deed, Transfer Quitclaim
Mar 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance THIRD FEDERAL SAVING & LOAN ASSOC
Apr 23, 2018	Deed of Trust, Mortgage SUNTRUST MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2002 · Amount on Record
Deed Sale	May 28, 2002 · Amount on Record
Deed Book / Page	18709 / 37
Last Transfer Date	Mar 28, 2024
Transfer Doc	042073-441
Record Updated	Sep 20, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	12 CIDER MILL RD, SAUGUS, MA 01906-1482
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042695-514
Date	May 2, 2025
Book Page	42695/514
Instrument	20250502001410

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Apr 18, 2024
Property Address	12 CIDER MILL RD, SAUGUS, MA 01906-1482
Document Number	042073-441
Book / Page	42073 / 441
Instrument Date	Mar 28, 2024
Instrument	20240418000160
Transaction Type	Transfer
Record Updated	May 3, 2024

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 CIDER MILL RD, SAUGUS, MA 01906-1482

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	May 3, 2021
Property Address	12 CIDER MILL RD, SAUGUS, MA 01906-1482
Document Number	39835-405
Book / Page	39835 / 405
Instrument Date	Apr 28, 2021
Instrument	20210503004090
Transaction Type	Transfer
Record Updated	May 21, 2021

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 CIDER MILL RD, SAUGUS, MA 01906-1482

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	12 CIDER MILL RD, SAUGUS, MA 01906-1482
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39662-538
Date	Mar 19, 2021
Book Page	39662/538
Instrument	20210319001040

Lender

Name	THIRD FEDERAL SAVING & LOAN ASSOC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2031

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	12 CIDER MILL RD, SAUGUS, MA 01906-1482
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36663-593
Date	Apr 23, 2018
Book Page	36663/593
Instrument	180423002850

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2033

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
2025	$9,371.00 (+2.84%)	$877,400 (+2.55%) Land $355,500 Building $521,900	$803,320
2024	$9,112.00 (+1.59%)	$855,600 (+7.42%) Land $342,000 Building $513,600
2023	$8,969.00	$796,500 Land $310,500 Building $486,000

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
Flood Insurance Cost	Premium on Record 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

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.

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 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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