12 Henry St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,902 sqft · built 1925
Lot Size	0.116 acres (5,036 sqft)
Owner	Individual Name on File
Last Sale	$338,000 (Jul 2007)
Tax Bill	$7,954 (2026)
Deeds & Mortgages	Mar 2017 Mortgage Jun 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:005-H B:0008 L:0014`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:005-H B:0008 L:0014`
Alternative APNs	`M:005=H B:0008 L:0014` `7924008`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,902 sqft Living Area
Gross Area	4,030 sqft
1st Floor Area	1,431 sqft
Basement Area	988 sqft
Unfinished Basement	296 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,036 sqft (0.116 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7924008
Street Address	12 HENRY ST
City	SAUGUS
State	MA
Zip	01906-1815
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	8
Legal Lot Number	14
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	4
Census Block	4001
Census Tract	208101

Owner

12 Henry St is owned and occupied by an individual who bought it in July 2007.

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

Owner of Record	Individual Name on File
Mailing Address	12 HENRY ST, SAUGUS, MA 01906-1815
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

Date	Document
Mar 3, 2017	Deed of Trust, Mortgage MORTGAGE FNCL SVCS INC
Jun 15, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP.
Jan 26, 2018	Deed of Trust, Mortgage · Line of Credit METRO CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2007 · Amount on File
Deed Sale	Jul 20, 2007 · Amount on File
Prior Sale	May 13, 2002 · Amount on File
Deed Book / Page	27034 / 421
Transfer Doc	2054000198
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	12 HENRY ST, SAUGUS, MA 01906-1815
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35714-52
Date	Mar 3, 2017
Book Page	35714/52
Instrument	55

Lender

Name	MORTGAGE FNCL SVCS INC
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	12 HENRY ST, SAUGUS, MA 01906-1815
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38607-502
Date	Jun 15, 2020
Book Page	38607/502
Instrument	20200615001240

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	12 HENRY ST, SAUGUS, MA 01906-1815
Document Number	36508-110
Book / Page	036508 / 000110
Instrument Date	Jan 26, 2018
Transaction Type	Mortgage
Record Updated	Feb 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36508-110
Date	Jan 31, 2018
Book Page	036508/000110
Instrument	1801316250

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jan 30, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 12 Henry St was $7,954, up 3.9% 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	$7,954.00 (+3.85%)	$763,300 (+6.44%) Land $327,400 Building $422,300	$665,419 (-5.99%)
2025	$7,659.00 (+3.68%)	$717,100 (+3.39%) Land $297,600 Building $419,500	$707,845
2024	$7,387.00 (+3.04%)	$693,600 (+8.94%) Land $280,600 Building $413,000
2023	$7,169.00	$636,700 Land $246,600 Building $390,100

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

Flood

FEMA maps place 12 Henry St in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 103 individual policies
Nearby Flood Policies	109 units insured incl. 6 condo units
Nearby Flood Claims	35 (1979–2025)
Claims Outside the SFHA	8 of 35
Most Recent Claim	Jan 2025 · other causes
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 claims Severe Storms And Flooding, May 2006 · 4 claims Extreme Weather Conditons And Flooding, Oct 1996 · 6 claims

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 Henry 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 577 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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