12 Guard St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,032 sqft · built 1967
Lot Size	0.339 acres (14,754 sqft)
Owner	2 Individual Names on File
Last Sale	$499,900 (Oct 2020)
Tax Bill	$6,511 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Dec 2023 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:015-E B:0006 L:0032`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:015-E B:0006 L:0032`
Alternative APNs	`M:015=E B:0006 L:0032` `4295008`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,032 sqft Living Area
Gross Area	2,328 sqft
1st Floor Area	1,032 sqft
Basement Area	1,032 sqft
Unfinished Basement	1,032 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,754 sqft (0.339 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	4295008
Street Address	12 GUARD ST
City	SAUGUS
State	MA
Zip	01906
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	6
Legal Lot Number	32
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1005
Census Tract	208302

Owner

Source: Essex County and Saugus Town records · APN SAUG M:015-E B:0006 L:0032

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	12 GUARD ST, SAUGUS, MA 01906
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2026	Deed of Trust, Mortgage CARDINAL FNCL COMPANY
Dec 28, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP
Dec 12, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ALLY BANK
Oct 13, 2020	Quit Claim Deed, Transfer · Conventional Mortgage BRIAN EGAN

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 13, 2020 · Amount on Record
Deed Sale	Oct 13, 2020 · Amount on Record
Deed Document Number	2020617370
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	12 GUARD ST, SAUGUS, MA 01906
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000664981
Date	Mar 12, 2026
Instrument	664981

Lender

Name	CARDINAL FNCL COMPANY

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2056

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	12 GUARD ST, SAUGUS, MA 01906-1045
Transaction Type	Mortgage
Record Updated	Mar 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000648871
Date	Dec 28, 2023
Instrument	648871

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2054

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	12 GUARD ST, SAUGUS, MA 01906-1045
Transaction Type	Mortgage
Record Updated	Mar 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000641367
Date	Dec 12, 2022
Instrument	641367

Lender

Name	ALLY BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2053

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Oct 13, 2020
Property Address	12 GUARD STREET EXT, SAUGUS, MA 01906-1122
Document Number	0000617370
Instrument Date	Oct 06, 2020
Instrument	617370
Transaction Type	Transfer
Record Updated	Nov 03, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,280.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 GUARD ST SAUGUS MA 01906, SAUGUS, MA 01906

Mortgage

Document Number	617371
Date	Oct 13, 2020
Instrument	617371

Lender

Name	BRIAN EGAN

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Oct 12, 2025

Tax Assessment & Valuation

Source: Essex County and Saugus Town records · Assessment roll updated April 14, 2026 · Last verified July 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 and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,511.00 (+4.18%)	$609,600 (+3.87%) Land $364,800 Building $244,800	$614,745
2024	$6,250.00 (+0.87%)	$586,900 (+6.65%) Land $345,800 Building $241,100
2023	$6,196.00	$550,300 Land $316,500 Building $233,800

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 250092083021, 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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 233 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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