12 Milton St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,512 sqft · built 1940
Lot Size	0.103 acres (4,500 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Aug 2018)
Tax Bill	$5,514 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Jun 2021 Line of Credit + 3 more
Flood Zone	Zone AE (high risk)
APN	`SAUG M:006-H B:0012 L:0005`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:006-H B:0012 L:0005`
Alternative APNs	`M:006=H B:0012 L:0005` `5937015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,512 sqft Living Area
Gross Area	2,686 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,500 sqft (0.103 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	5937015
Street Address	12 MILTON ST
City	SAUGUS
State	MA
Zip	01906-1748
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	12
Legal Lot Number	5
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1001
Census Tract	208102

Owner

Source: Essex County and Saugus Town records, as of July 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 MILTON ST, SAUGUS, MA 01906-1748
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2023	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Jun 16, 2021	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Jun 16, 2021	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Jun 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage HARBORONE MTG LLC
Aug 28, 2018	Quit Claim Deed, Transfer · Conventional Mortgage ROCKLAND TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2018 · Amount on Record
Deed Sale	Aug 28, 2018 · Amount on Record
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	12 MILTON ST, SAUGUS, MA 01906-1748
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000646320
Date	Aug 29, 2023
Instrument	646320

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	12 MILTON ST, SAUGUS, MA 01906-1748
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000626280
Date	Jun 16, 2021
Instrument	626280

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	12 MILTON ST, SAUGUS, MA 01906-1748
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	626280
Date	Jun 16, 2021
Instrument	626280

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	12 MILTON ST, SAUGUS, MA 01906-1748
Document Number	0000613562
Instrument Date	Jun 25, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 MILTON ST SAUGUS MA 019061748, SAUGUS, MA 01906-1748

Mortgage

Document Number	0000613562
Date	Jun 30, 2020
Instrument	613562

Lender

Name	HARBORONE MTG LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 29, 2035

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Aug 28, 2018
Property Address	12 MILTON ST, SAUGUS, MA 01906-1748
Document Number	0000595485
Instrument Date	Aug 3, 2018
Instrument	595485
Transaction Type	Transfer
Record Updated	Jan 15, 2019

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,596.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 MILTON ST SAUGUS MA 019061748, SAUGUS, MA 01906-1748

Mortgage

Document Number	595486
Date	Aug 28, 2018
Instrument	595486

Lender

Name	ROCKLAND TR

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2048

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
2025	$5,514.00 (+6.45%)	$516,300 (+6.15%) Land $278,900 Building $237,400	$536,560
2024	$5,180.00 (+1.95%)	$486,400 (+7.8%) Land $253,500 Building $232,900
2023	$5,081.00	$451,200 Land $228,200 Building $223,000

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 46 policies
Nearby Flood Policies	46 in force
Nearby Flood Claims	58 (1978–2024)
Claims Outside the SFHA	4 of 58
Most Recent Claim	Jan 2024 · other causes
Claims by Event	Severe Storms And Flooding, May 2006 · 6 claims Extreme Weather Conditons And Flooding, Oct 1996 · 5 claims Coastal Storm, Oct 1991 · 4 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

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 264 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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