12 Richard St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,426 sqft · built 1900
Lot Size	0.312 acres (13,591 sqft)
Owner	Individual Name on File
Last Sale	$705,000 (Aug 2024)
Tax Bill	$6,295 (2026)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Dec 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`SAUG M:006-H B:0003 L:0015`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:006-H B:0003 L:0015`
Alternative APNs	`M:006=H B:0003 L:0015` `3360031`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,426 sqft Living Area
Gross Area	2,572 sqft
1st Floor Area	890 sqft
Basement Area	830 sqft
Unfinished Basement	830 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,591 sqft (0.312 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	3360031
Street Address	12 RICHARD ST
City	SAUGUS
State	MA
Zip	01906-2820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	3
Legal Lot Number	15
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1023
Census Tract	208102

Owner

12 Richard St is owned and occupied by an individual who bought it in August 2024.

Source: Essex County and Saugus Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	12 RICHARD ST, SAUGUS, MA 01906-2820
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC
Dec 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK/RI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2024 · Amount on File
Deed Sale	Aug 29, 2024 · Amount on File
Prior Sale	Apr 29, 2021 · Amount on File
Deed Book / Page	42299 / 257
Record Updated	Oct 29, 2026

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Apr 29, 2021
Property Address	12 RICHARD ST, SAUGUS, MA 01906-2820
Document Number	039819-510
Book / Page	39819 / 510
Instrument Date	Apr 29, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount on Record
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	Joint Tenants
Address	12 RICHARD ST, SAUGUS, MA 01906-2820

Mortgage

Document Number	0039819511
Date	Apr 29, 2021
Instrument	39819/511

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	12 RICHARD ST, SAUGUS, MA 01906-2820
Document Number	37250-488
Instrument Date	Dec 26, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 RICHARD ST SAUGUS MA 019062820, SAUGUS, MA 01906-2820

Mortgage

Document Number	37250-488
Date	Dec 31, 2018
Book Page	037250/000488
Instrument	1231002050

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 30, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 12 Richard St was $6,295, up 3.5% from the year before.

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	$6,295.00 (+3.45%)	$604,100 (+6.02%) Land $379,000 Building $218,900	$685,165 (+4.45%)
2025	$6,085.00 (+2.7%)	$569,800 (+2.43%) Land $346,300 Building $223,500	$655,975
2024	$5,925.00 (+3.46%)	$556,300 (+9.38%) Land $336,900 Building $219,400
2023	$5,727.00	$508,600 Land $294,800 Building $213,800

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

Flood

FEMA maps place 12 Richard St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

The area around 12 Richard St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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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