12 Ernest St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 12 Ernest St, Saugus, MA 01906 · Last verified April 2026

Property Summary

Property Type	Triplex
Details	5 bd · 3 ba · 3,267 sqft · built 1890
Lot Size	0.182 acres (7,915 sqft)
Owner	Company Name on File
Last Sale	$1,002,500 (Jul 2021)
Tax Bill	$10,478 (2025)
Deeds & Mortgages	Oct 2023 Transfer Mar 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:005-F B:0001 L:0013`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:005-F B:0001 L:0013`
Alternative APNs	`M:005=F B:0001 L:0013` `3469016`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Units	3 Units
Stories	3 Stories
Building Area	3,267 sqft Living Area
Gross Area	5,642 sqft
1st Floor Area	1,294 sqft
Basement Area	1,294 sqft
Unfinished Basement	1,294 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,915 sqft (0.182 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	3469016
Street Address	12 ERNEST ST
City	SAUGUS
State	MA
Zip	01906-3834
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Block	1
Legal Lot Number	13
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2000
Census Tract	208102

Owner

Source: Essex County and Saugus Town records · APN SAUG M:005-F B:0001 L:0013

Assessment roll updated April 14, 2026 · Last verified April 2026

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

Owner of Record	Company Name on File
Mailing Address	25 HOWARD ST, SAUGUS, MA 01906-4049
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2023	Quit Claim Deed, Transfer Quitclaim
Mar 12, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance SAVINGS BANK TRUST
Jul 21, 2021	Quit Claim Deed, Transfer
Nov 27, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SAVINGS BANK TRUST

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 21, 2021 · Amount on Record
Deed Sale	Jul 21, 2021 · Amount on Record
Prior Sale	Nov 27, 2019 · Amount on Record
Deed Document Number	20212380
Deed Book / Page	40102 / 65
Record Updated	Jun 08, 2026

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Oct 10, 2023
Property Address	12 ERNEST ST, SAUGUS, MA 01906-3834
Document Number	041800-301
Book / Page	41800 / 301
Instrument Date	Oct 10, 2023
Instrument	20231010002990
Transaction Type	Transfer
Record Updated	Oct 27, 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	25 HOWARD ST, SAUGUS, MA 01906-4049

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	12 ERNEST ST, SAUGUS, MA 01906-3834
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	038330-415
Date	Mar 12, 2020
Book Page	38330/415
Instrument	20200312003380

Lender

Name	SAVINGS BANK TRUST
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jul 21, 2021
Property Address	12 ERNEST ST, SAUGUS, MA 01906-3834
Document Number	0040102-65
Book / Page	40102 / 65
Instrument Date	Jun 20, 2021
Instrument	20210721002380
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount Recorded
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	25 HOWARD ST, SAUGUS, MA 01906-4049

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Nov 27, 2019
Property Address	12 ERNEST ST, SAUGUS, MA 01906-3834
Document Number	038067-413
Book / Page	38067 / 413
Instrument Date	Nov 27, 2019
Instrument	20191127001860
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount Recorded
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
Address	707 WESTERN AVE, LYNN, MA 01905-2226

Mortgage

Document Number	191127001890
Date	Nov 27, 2019
Instrument	191127001890

Lender

Name	SAVINGS BANK TRUST
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Essex County and Saugus Town records · Assessment roll updated April 14, 2026 · Last verified April 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

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$10,478.00 (+4.96%)	$981,100 (+4.66%) Land $307,700 Building $673,400
2024	$9,983.00 (+3.47%)	$937,400 (+9.41%) Land $290,100 Building $647,300
2023	$9,648.00	$856,800 Land $255,000 Building $601,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Essex County (25009C), updated July 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250092081022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	3 in force
Nearby Flood Claims	6 (1978–2023)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Aug 2023, other causes
Claims By Storm	Severe Storms And Flooding, May 2006 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 623 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: Radiate Holdings, Netafy, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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