121 Main St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 121 Main St, Saugus, MA 01906

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,995 sqft · built 1890
Lot Size	0.247 acres (10,751 sqft)
Owner	Individual Name on Record
Last Sale	$715,000 (Jun 2023)
Tax Bill	$7,611 (2026)
Deeds & Mortgages	May 2021 Refinance Jun 2023 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:009-D B:0003 L:0009`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:009-D B:0003 L:0009`
Alternative APNs	`M:009=D B:0003 L:0009` `4863018`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	3 Stories
Building Area	1,995 sqft Living Area
Gross Area	3,990 sqft
1st Floor Area	1,082 sqft
Basement Area	1,052 sqft
Unfinished Basement	1,052 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,751 sqft (0.247 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	4863018
Street Address	121 MAIN ST
City	SAUGUS
State	MA
Zip	01906-3300
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	NA
Legal Subdivision	ASHLEY M ARNOTT & NORMA T ARNO
Legal Block	3
Legal Lot Number	9
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1000
Census Tract	208301

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	121 MAIN ST, SAUGUS, MA 01906-3300
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Jun 30, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE
Dec 20, 2017	Deed of Trust, Mortgage SAGE BANK
Nov 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jun 3, 2019	Quit Claim Deed, Transfer · Stand-Alone Refinance BOSTON FIREFIGHTERS CREDIT UNION
Mar 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage BOSTON FIREFIGHTER CU
Jul 26, 2017	Quit Claim Deed, Transfer SAGE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2023 · Amount on Record
Deed Sale	Jun 30, 2023 · Amount on Record
Prior Sale	Jul 26, 2017 · Amount on Record
Deed Book / Page	41644 / 310
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	121 MAIN ST, SAUGUS, MA 01906-3300
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039847-585
Date	May 6, 2021
Book Page	39847/585
Instrument	20210506001440

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jun 30, 2023
Property Address	121 MAIN ST, SAUGUS, MA 01906-3300
Document Number	041644-310
Book / Page	41644 / 310
Instrument Date	Jun 30, 2023
Instrument	20230630006590
Transaction Type	Transfer
Record Updated	Jul 19, 2023

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	121 MAIN ST, SAUGUS, MA 01906-3300

Mortgage

Document Number	230630006600
Date	Jun 30, 2023
Instrument	230630006600

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	121 MAIN ST, SAUGUS, MA 01906-3300
Transaction Type	Mortgage
Record Updated	Mar 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36421-23
Date	Dec 20, 2017
Book Page	36421/23
Instrument	171220001790

Lender

Name	SAGE BANK

Agreement

Amount	Amount Recorded
Term	372 Months
Due	Dec 1, 2048

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	121 MAIN ST, SAUGUS, MA 01906-3300
Document Number	38038-361
Instrument Date	Nov 13, 2019
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	121 MAIN ST SAUGUS MA 019063300, SAUGUS, MA 01906-3300

Mortgage

Document Number	38038-361
Date	Nov 18, 2019
Book Page	038038/000361
Instrument	1118005950

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 17, 2049

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jun 3, 2019
Property Address	121 MAIN ST, SAUGUS, MA 01906-3300
Document Number	37558-238
Book / Page	37558 / 238
Instrument Date	May 29, 2019
Instrument	20190603002340
Transaction Type	Transfer
Record Updated	May 12, 2021

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	121 MAIN ST, SAUGUS, MA 01906-3300

Mortgage

Document Number	37558-239
Date	Jun 3, 2019
Book Page	37558/239
Instrument	20190603002350

Lender

Name	BOSTON FIREFIGHTERS CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	121 MAIN ST, SAUGUS, MA 01906-3300
Document Number	36589-422
Instrument Date	Mar 15, 2018
Transaction Type	Mortgage
Record Updated	Apr 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36589-422
Date	Mar 16, 2018
Book Page	036589/000422
Instrument	1803164130

Lender

Name	BOSTON FIREFIGHTER CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 15, 2038

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jul 26, 2017
Property Address	121 MAIN ST, SAUGUS, MA 01906-3300
Document Number	36049-122
Book / Page	36049 / 122
Instrument	461
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$41.49
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 MAIN ST, SAUGUS, MA 01906-3300

Mortgage

Document Number	360490124
Date	Jul 26, 2017
Instrument	36049/0124

Lender

Name	SAGE BANK

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 26, 2047

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	$7,611.00 (+2.66%)	$730,400 (+5.21%) Land $331,200 Building $388,300	$764,855
2025	$7,414.00 (+5.42%)	$694,200 (+5.12%) Land $299,500 Building $394,700
2024	$7,033.00 (+11.09%)	$660,400 (+17.45%) Land $272,300 Building $388,100
2023	$6,331.00	$562,300 Land $245,000 Building $317,300

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

121 Main St, Saugus, MA 01906 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

May 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2023: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2019: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2017: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Main St

Nearby Streets

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