12 Lothrop St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,268 sqft · built 1895
Lot Size	0.372 acres (16,200 sqft)
Owner	Individual Name on Record
Last Sale	$550,000 (Dec 2025)
Tax Bill	$5,904 (2026)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:010-F B:0004 L:0001`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:010-F B:0004 L:0001`
Alternative APNs	`M:010=F B:0004 L:0001` `510024`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,268 sqft Living Area
Gross Area	2,632 sqft
1st Floor Area	1,268 sqft
Basement Area	1,268 sqft
Unfinished Basement	1,268 sqft

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Flat
Roof Material	Asphalt
Lot Area	16,200 sqft (0.372 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	510024
Street Address	12 LOTHROP ST
City	SAUGUS
State	MA
Zip	01906-2212
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	4
Legal Lot Number	1
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	3
Census Block	3033
Census Tract	208302

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	Individual Name on Record
Mailing Address	12 LOTHROP ST, SAUGUS, MA 01906-2212
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2025	Quit Claim Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE
Oct 25, 2023	Deed, Transfer · Stand-Alone First Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2025 · Amount on Record
Deed Sale	Dec 9, 2025 · Amount on Record
Prior Sale	Oct 25, 2023 · Amount on Record
Deed Book / Page	43118 / 93
Record Updated	Oct 29, 2026

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Dec 9, 2025
Property Address	12 LOTHROP ST, SAUGUS, MA 01906-2212
Document Number	0043118-93
Book / Page	43118 / 93
Instrument Date	Dec 9, 2025
Instrument	20251209003740
Transaction Type	Transfer
Record Updated	Apr 14, 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
Address	12 LOTHROP ST, SAUGUS, MA 01906-2212

Mortgage

Document Number	20251209003750
Date	Dec 9, 2025
Instrument	20251209003750

Lender

Name	UNION HOME MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SAUGUS MA
Recording Date	Oct 25, 2023
Property Address	12 LOTHROP ST, SAUGUS, MA 01906-2212
Document Number	0041826-88
Book / Page	41826 / 88
Instrument Date	Oct 25, 2023
Instrument	20231025002920
Transaction Type	Transfer
Record Updated	Jan 26, 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
Address	12 LOTHROP ST, SAUGUS, MA 01906-2212

Mortgage

Document Number	231025002930
Date	Oct 25, 2023
Instrument	231025002930

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$5,904.00 (+3.87%)	$566,600 (+6.46%) Land $389,600 Building $165,700	$567,979 (+5.3%)
2025	$5,684.00 (+3.29%)	$532,200 (+3%) Land $355,900 Building $176,300	$539,410
2024	$5,503.00 (+1.12%)	$516,700 (+6.91%) Land $346,300 Building $170,400
2023	$5,442.00	$483,300 Land $303,000 Building $180,300

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
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

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

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 501 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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