12 Ledgewood Rd, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 12 Ledgewood Rd, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,835 sqft · built 1994
Lot Size	0.461 acres (20,086 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,400,000 (Aug 2025)
Tax Bill	$13,053 (2026)
Deeds & Mortgages	Aug 2023 Refinance Aug 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:011-B B:0005 L:0009`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:011-B B:0005 L:0009`
Alternative APNs	`M:011=B B:0005 L:0009` `3805016`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,835 sqft Living Area
Gross Area	6,953 sqft
1st Floor Area	1,807 sqft
Basement Area	1,807 sqft
Unfinished Basement	1,807 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	20,086 sqft (0.461 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3805016
Street Address	12 LEDGEWOOD RD
City	SAUGUS
State	MA
Zip	01906-3184
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	5
Legal Lot Number	9
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2008
Census Tract	208401

Owner

Source: Essex County and Saugus Town records, as of October 20, 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 Record
Mailing Address	12 LEDGEWOOD RD, SAUGUS, MA 01906-3184
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance EVERETT COOPERATIVE BANK
Aug 22, 2025	Quit Claim Deed, Transfer · Conventional Mortgage LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2025 · Amount on Record
Deed Sale	Aug 22, 2025 · Amount on Record
Prior Sale	Jul 30, 1993 · Amount on Record
Deed Book / Page	42905 / 164
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	12 LEDGEWOOD RD, SAUGUS, MA 01906-3184
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041708-252
Date	Aug 11, 2023
Book Page	41708/252
Instrument	20230811001150

Lender

Name	EVERETT COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2048

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Aug 22, 2025
Property Address	12 LEDGEWOOD RD, SAUGUS, MA 01906-3184
Document Number	042905-164
Book / Page	42905 / 164
Instrument Date	Aug 22, 2025
Instrument	20250822003300
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12 LEDGEWOOD RD, SAUGUS, MA 01906-3184
Investor	Possibly a Property Investor

Mortgage

Document Number	20250822003310
Date	Aug 22, 2025
Instrument	20250822003310

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Sep 1, 2032
Index	Other

Tax Assessment & Valuation

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	$13,053.00 (+3.52%)	$1,252,700 (+6.11%) Land $500,100 Building $748,600	$1,338,910 (+3.22%)
2025	$12,609.00 (+2.36%)	$1,180,600 (+2.08%) Land $455,100 Building $725,500	$1,297,130
2024	$12,318.00 (+5.79%)	$1,156,600 (+11.85%) Land $440,100 Building $716,500
2023	$11,644.00	$1,034,100 Land $355,100 Building $679,000

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

Flood

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	7 in force
Nearby Flood Claims	1 (2006)
Most Recent Claim	May 2006 · 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 96% 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 223 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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