12 Foster St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Duplex
Details	4 bd · 2.5 ba · 1,865 sqft · built 1935
Lot Size	0.103 acres (4,500 sqft)
Owner	2 Individual Names on File
Last Sale	$355,000 (Oct 2004)
Tax Bill	$7,669 (2026)
Deeds & Mortgages	Nov 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:009-F B:0001 L:0004`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:009-F B:0001 L:0004`
Alternative APNs	`M:009=F B:0001 L:0004` `4328036`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,865 sqft Living Area
Gross Area	2,738 sqft
1st Floor Area	952 sqft
Basement Area	736 sqft
Unfinished Basement	736 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	4,500 sqft (0.103 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	4328036
Street Address	12 FOSTER ST
City	SAUGUS
State	MA
Zip	01906-2339
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	NA
Legal Block	1
Legal Lot Number	4
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1002
Census Tract	208200

Owner

12 Foster St, a duplex, is owned and occupied by two individuals who bought it in October 2004.

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

Owner of Record	2 Individual Names on File
Mailing Address	12 FOSTER ST, SAUGUS, MA 01906-2339
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2004 · Amount on File
Deed Sale	Oct 29, 2004 · Amount on File
Prior Sale	Jul 21, 1998 · Amount on File
Deed Book / Page	23569 / 170
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	12 FOSTER ST, SAUGUS, MA 01906-2339
Transaction Type	Mortgage
Record Updated	Nov 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041837-588
Date	Nov 1, 2023
Book Page	41837/588
Instrument	20231101001010

Lender

Name	HARVARD UNIVERSITY CREDIT UNION

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2043

Tax Assessment & Valuation

The 2026 property tax bill for 12 Foster St was $7,669, up 2.5% from the year before.

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	$7,669.00 (+2.46%)	$736,000 (+5.02%) Land $342,200 Building $393,800	$772,703
2025	$7,485.00 (+8.34%)	$700,800 (+8.03%) Land $312,700 Building $388,100
2024	$6,909.00 (+5.85%)	$648,700 (+11.9%) Land $304,200 Building $344,500
2023	$6,527.00	$579,700 Land $266,200 Building $313,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12 Foster St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1979–1988)
Most Recent Claim	Jan 1988 · rainfall accumulation

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

The area around 12 Foster St has no burnable land within ember reach, so its wildfire risk is not rated.

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 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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