12 Overlea Ave, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 12 Overlea Ave, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,400 sqft · built 1920
Lot Size	0.148 acres (6,460 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (Nov 2020)
Tax Bill	$5,926 (2025)
Deeds & Mortgages	Dec 2017 Line of Credit Dec 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:005-G B:0016 L:0007`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:005-G B:0016 L:0007`
Alternative APNs	`M:005=G B:0016 L:0007` `287025`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	1,400 sqft Living Area
Gross Area	2,870 sqft
1st Floor Area	560 sqft
Basement Area	560 sqft
Unfinished Basement	560 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,460 sqft (0.148 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	287025
Street Address	12 OVERLEA AVE
City	SAUGUS
State	MA
Zip	01906-2732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	16
Legal Lot Number	7
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	4
Census Block	4009
Census Tract	208101

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	2 Individual Names on Record
Mailing Address	12 OVERLEA AVE, SAUGUS, MA 01906-2732
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2017	Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK
Dec 8, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Nov 30, 2020	Quit Claim Deed, Transfer · FHA Mortgage PRIME LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2020 · Amount on Record
Deed Sale	Nov 30, 2020 · Amount on Record
Prior Sale	Sep 3, 2015 · Amount on Record
Deed Book / Page	39234 / 286
Record Updated	Sep 20, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	12 OVERLEA AVE, SAUGUS, MA 01906-2732
Transaction Type	Mortgage
Record Updated	Mar 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36386-359
Date	Dec 7, 2017
Book Page	36386/359
Instrument	171207000880

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Dec 8, 2020
Property Address	12 OVERLEA AVE, SAUGUS, MA 01906-2732
Document Number	39271-117
Book / Page	039271 / 000117
Instrument Date	Nov 30, 2020
Instrument	8005510
Transaction Type	Transfer
Record Updated	Dec 29, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 OVERLEA AVE SAUGUS MA 019062732, SAUGUS, MA 01906-2732

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Nov 30, 2020
Property Address	12 OVERLEA AVE, SAUGUS, MA 01906-2732
Document Number	39234-286
Book / Page	39234 / 286
Instrument Date	Nov 25, 2020
Instrument	20201130003540
Transaction Type	Transfer
Record Updated	May 12, 2021

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	1 OVERLEA AVE, SAUGUS, MA 01906-2731

Mortgage

Document Number	201130003550
Date	Nov 30, 2020
Instrument	201130003550

Lender

Name	PRIME LENDING INC
Type	Mortgage Company

Agreement

Type	FHA 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
2025	$5,926.00 (+4.37%)	$554,900 (+4.09%) Land $302,600 Building $252,300	$599,070
2024	$5,678.00 (+2.42%)	$533,100 (+8.27%) Land $285,300 Building $247,800
2023	$5,544.00	$492,400 Land $250,700 Building $241,700

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
Flood Insurance Cost	Premium on Record 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

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 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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