124 Adams Ave, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 124 Adams Ave, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,638 sqft · built 1920
Lot Size	0.23 acres (10,001 sqft)
Owner	Individual Name on File
Last Sale	$149,000 (Dec 1987)
Tax Bill	$6,001 (2026)
Deeds & Mortgages	Feb 2019 Mortgage Sep 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:007-D B:0009 L:0009`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:007-D B:0009 L:0009`
Alternative APNs	`M:007=D B:0009 L:0009` `5503008`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,638 sqft Living Area
Gross Area	3,324 sqft
1st Floor Area	922 sqft
Basement Area	706 sqft
Unfinished Basement	706 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Other
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,001 sqft (0.23 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5503008
Street Address	124 ADAMS AVE
City	SAUGUS
State	MA
Zip	01906-3510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	9
Legal Lot Number	9
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	4
Census Block	4014
Census Tract	208200

Owner

124 Adams Ave is owned and occupied by an individual who bought it in December 1987.

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

Owner of Record	Individual Name on File
Mailing Address	124 ADAMS AVE, SAUGUS, MA 01906-3510
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 5, 2019	Deed of Trust, Mortgage · Conventional with PMI MORTGAGE EQUITY PTRS
Sep 12, 2018	Deed of Trust, Mortgage · Line of Credit METRO CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 1987 · Amount on File
Deed Sale	Dec 23, 1987 · Amount on File
Record Updated	Oct 29, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	124 ADAMS AVE, SAUGUS, MA 01906-3510
Document Number	37322-350
Instrument Date	Feb 5, 2019
Transaction Type	Mortgage
Record Updated	Feb 26, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 ADAMS AVE SAUGUS MA 019063510, SAUGUS, MA 01906-3510

Mortgage

Document Number	37322-350
Date	Feb 11, 2019
Book Page	037322/000350
Instrument	1902111930

Lender

Name	MORTGAGE EQUITY PTRS
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 10, 2049

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	124 ADAMS AVE, SAUGUS, MA 01906-3510
Document Number	37015-546
Instrument Date	Sep 12, 2018
Transaction Type	Mortgage
Record Updated	Oct 9, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 ADAMS AVE SAUGUS MA 019063510, SAUGUS, MA 01906-3510

Mortgage

Document Number	37015-546
Date	Sep 17, 2018
Book Page	037015/000546
Instrument	180917840

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 16, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 124 Adams Ave was $6,001, up 3.4% 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	$6,001.00 (+3.36%)	$575,900 (+5.94%) Land $346,500 Building $227,000	$603,738 (+0.13%)
2025	$5,806.00 (+4.39%)	$543,600 (+4.08%) Land $315,000 Building $228,600	$602,965
2024	$5,562.00 (+2.41%)	$522,300 (+8.29%) Land $297,000 Building $225,300
2023	$5,431.00	$482,300 Land $261,000 Building $221,300

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

Flood

FEMA maps place 124 Adams Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearby Flood Policies	6 in force
Nearby Flood Claims	20 (1978–2011)
Claims Outside the SFHA	10 of 20
Most Recent Claim	Jul 2011
Claims by Event	Severe Storms And Flooding, May 2006 · 3 claims Flooding, Apr 2004 · 2 claims Heavy Rains And Flooding, Jun 1998 · 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 124 Adams Ave 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 217 locations within half a mile, as of December 31, 2025

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

May also be available: Netafy.

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