12 Howard St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,320 sqft · built 1956
Lot Size	0.202 acres (8,795 sqft)
Owner	2 Trust Names on File
Last Sale	$310,000 (May 2010)
Tax Bill	$6,988 (2026)
Deeds & Mortgages	Feb 2026 Transfer Jan 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:010-B B:0011 L:0003`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:010-B B:0011 L:0003`
Alternative APNs	`M:010=B B:0011 L:0003` `3610023`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,320 sqft Living Area
Gross Area	4,103 sqft
1st Floor Area	1,456 sqft
Basement Area	1,456 sqft
Unfinished Basement	1,456 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,795 sqft (0.202 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	3610023
Street Address	12 HOWARD ST
City	SAUGUS
State	MA
Zip	01906-4052
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Subdivision	CITY GARDENS
Legal Block	11
Legal Lot Number	3
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1019
Census Tract	208402

Owner

12 Howard St is owner-occupied and held in a trust since February 2026.

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

Owner of Record	2 Trust Names on File
Mailing Address	12 HOWARD ST, SAUGUS, MA 01906-4052
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Feb 10, 2026	Quit Claim Deed, Transfer Quitclaim
Jan 26, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance NEWREZ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2010 · Amount on File
Deed Sale	May 28, 2010 · Amount on File
Deed Book / Page	29495 / 510
Last Transfer Date	Feb 3, 2026
Transfer Doc	043218-523
Record Updated	Oct 29, 2026

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Feb 10, 2026
Property Address	12 HOWARD ST, SAUGUS, MA 01906-4052
Document Number	043218-523
Book / Page	43218 / 523
Instrument Date	Feb 3, 2026
Instrument	1150
Transaction Type	Transfer
Record Updated	Mar 4, 2026

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	12 HOWARD ST, SAUGUS, MA 01906-4052

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	12 HOWARD ST, SAUGUS, MA 01906-4052
Transaction Type	Mortgage
Record Updated	Feb 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040684-36
Date	Jan 26, 2022
Book Page	40684/36
Instrument	20220126004000

Lender

Name	NEWREZ LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 12 Howard St was $6,988, up 9.1% 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	$6,988.00 (+9.05%)	$670,600 (+11.77%) Land $324,100 Building $346,500	$805,944 (-7.88%)
2025	$6,408.00 (+6.16%)	$600,000 (+5.86%) Land $293,000 Building $307,000	$874,855
2024	$6,036.00 (+2.51%)	$566,800 (+8.4%) Land $266,400 Building $300,400
2023	$5,888.00	$522,900 Land $239,700 Building $283,200

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

Flood

FEMA maps place 12 Howard 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	2 in force

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

Wildfire risk around 12 Howard St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 170 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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