12 Prospect Ave, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 12 Prospect Ave, Saugus, MA 01906 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,242 sqft · built 1992
Lot Size	0.428 acres (18,626 sqft)
Owner	2 Company Names on File
Last Sale	$2,013 (Jul 1997)
Tax Bill	$8,038 (2025)
Deeds & Mortgages	Sep 2017 Line of Credit Mar 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:004-F B:0003 L:0005`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:004-F B:0003 L:0005`
Alternative APNs	`M:004=F B:0003 L:0005` `1037028`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,242 sqft Living Area
Gross Area	3,526 sqft
1st Floor Area	1,310 sqft
Basement Area	1,188 sqft
Unfinished Basement	1,188 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,626 sqft (0.428 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1037028
Street Address	12 PROSPECT AVE
City	SAUGUS
State	MA
Zip	01906-3822
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	LOUISE BUCCHIERE
Legal Block	3
Legal Lot Number	5
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2004
Census Tract	208102

Owner

Source: Essex County and Saugus Town records · APN SAUG M:004-F B:0003 L:0005

Assessment roll updated April 14, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on File
Mailing Address	12 PROSPECT AVE, SAUGUS, MA 01906-3822
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2017	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Mar 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE NETWORK INC
Aug 23, 2021	Quit Claim Deed, Transfer Quitclaim
Jul 08, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance CORNERSTONE BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 29, 1997 · Amount on Record
Deed Sale	Jul 29, 1997 · Amount on Record
Last Transfer Date	Aug 04, 2021
Transfer Doc	040198-218
Record Updated	Sep 20, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	12 PROSPECT AVE, SAUGUS, MA 01906-3822
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036206-131
Date	Sep 27, 2017
Book Page	36206/131
Instrument	179

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	12 PROSPECT AVE, SAUGUS, MA 01906-3822
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039651-312
Date	Mar 16, 2021
Book Page	39651/312
Instrument	20210316003470

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Aug 23, 2021
Property Address	12 PROSPECT AVE, SAUGUS, MA 01906-3822
Document Number	040198-218
Book / Page	40198 / 218
Instrument Date	Aug 04, 2021
Instrument	20210823000370
Transaction Type	Transfer
Record Updated	Jan 17, 2022

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 PROSPECT AVE, SAUGUS, MA 01906-3822

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jul 08, 2021
Property Address	12 PROSPECT AVE, SAUGUS, MA 01906-3822
Document Number	040065-152
Book / Page	40065 / 152
Instrument Date	Jul 06, 2021
Instrument	20210708003510
Transaction Type	Transfer
Record Updated	Nov 15, 2022

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 PROSPECT AVE, SAUGUS, MA 01906-3822

Mortgage

Document Number	040065-154
Date	Jul 08, 2021
Book Page	40065/154
Instrument	20210708003520

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2051

Tax Assessment & Valuation

Source: Essex County and Saugus Town records · Assessment roll updated April 14, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,038.00 (+4%)	$752,600 (+3.71%) Land $345,200 Building $407,400	$770,070
2024	$7,729.00 (+3.49%)	$725,700 (+9.42%) Land $325,500 Building $400,200
2023	$7,468.00	$663,200 Land $286,000 Building $377,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Essex County (25009C), updated July 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250092081022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	3 in force
Nearby Flood Claims	6 (1978–2023)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Aug 2023, other causes
Claims By Storm	Severe Storms And Flooding, May 2006 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 199 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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