12 Harwich St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,140 sqft · built 1966
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Individual Names on File
Last Sale	$232,500 (Sep 1999)
Tax Bill	$6,341 (2026)
Deeds & Mortgages	Dec 2022 Line of Credit Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:007-F B:0008 L:0005`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:007-F B:0008 L:0005`
Alternative APNs	`M:007=F B:0008 L:0005` `1861011`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,140 sqft Living Area
Gross Area	2,783 sqft
1st Floor Area	1,140 sqft
Basement Area	1,140 sqft
Unfinished Basement	1,140 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,001 sqft (0.23 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	1861011
Street Address	12 HARWICH ST
City	SAUGUS
State	MA
Zip	01906-2540
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Subdivision	CARRIAGE HILL ESTATES
Legal Block	8
Legal Lot Number	5
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2004
Census Tract	208200

Owner

12 Harwich St is owned and occupied by two individuals who bought it in September 1999.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	12 HARWICH ST, SAUGUS, MA 01906-2540
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2022	Deed of Trust, Mortgage · Line of Credit METRO CU
Nov 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 1999 · Amount on File
Deed Sale	Sep 30, 1999 · Amount on File
Deed Book / Page	15969 / 438
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	12 HARWICH ST, SAUGUS, MA 01906-2540
Transaction Type	Mortgage
Record Updated	Jan 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041364-528
Date	Dec 21, 2022
Book Page	41364/528
Instrument	20221221001260

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	289 Months
Due	Jan 1, 2047

Interest

Rate Type	Adjustable Rate

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	12 HARWICH ST, SAUGUS, MA 01906-2540
Document Number	36343-140
Book / Page	036343 / 000140
Instrument Date	Nov 3, 2017
Transaction Type	Mortgage
Record Updated	Dec 5, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	36343-140
Date	Nov 17, 2017
Book Page	036343/000140
Instrument	1711177580

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 16, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 12 Harwich St was $6,341, up 4.9% 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	$6,341.00 (+4.91%)	$608,500 (+7.53%) Land $346,500 Building $261,600	$624,288 (-1.17%)
2025	$6,044.00 (+4.66%)	$565,900 (+4.35%) Land $315,000 Building $250,900	$631,655
2024	$5,775.00 (+4.7%)	$542,300 (+10.7%) Land $297,000 Building $245,300
2023	$5,516.00	$489,900 Land $261,000 Building $228,900

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

Flood

FEMA maps place 12 Harwich St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	6 (1979–2010)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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 Harwich 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 486 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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