125 Winter St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 125 Winter St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,508 sqft · built 1947
Lot Size	0.135 acres (5,863 sqft)
Owner	Individual Name on Record
Last Sale	$276,000 (Jun 2012)
Tax Bill	$5,755 (2026)
Deeds & Mortgages	Mar 2022 Refinance Nov 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:007-F B:0016 L:0011`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:007-F B:0016 L:0011`
Alternative APNs	`M:007=F B:0016 L:0011` `4928014`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,508 sqft Living Area
Gross Area	3,322 sqft
1st Floor Area	1,040 sqft
Basement Area	1,124 sqft
Unfinished Basement	1,124 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,863 sqft (0.135 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	4928014
Street Address	125 WINTER ST
City	SAUGUS
State	MA
Zip	01906-2458
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Subdivision	WESTLANDS
Legal Block	16
Legal Lot Number	11
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1012
Census Tract	208200

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	125 WINTER ST, SAUGUS, MA 01906-2458
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC
Nov 9, 2021	Deed of Trust, Mortgage · Line of Credit USA ALLIANCE FEDERAL CREDIT UNION
Nov 9, 2021	Deed of Trust, Mortgage · Line of Credit USA ALLIANCE FEDERAL CREDIT UNION
May 19, 2017	Deed of Trust, Mortgage · Line of Credit USA ALLIANCE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2012 · Amount on Record
Deed Sale	Jun 29, 2012 · Amount on Record
Prior Sale	Sep 29, 2003 · Amount on Record
Deed Book / Page	31480 / 65
Transfer Doc	0031480-65
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	125 WINTER ST, SAUGUS, MA 01906-2458
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040775-272
Date	Mar 8, 2022
Book Page	40775/272
Instrument	20220308002330

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	125 WINTER ST, SAUGUS, MA 01906-2458
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040469-191
Date	Nov 9, 2021
Book Page	40469/191
Instrument	20211109004860

Lender

Name	USA ALLIANCE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	125 WINTER ST, SAUGUS, MA 01906-2458
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40469-191
Date	Nov 9, 2021
Book Page	40469/191
Instrument	20211109004860

Lender

Name	USA ALLIANCE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	125 WINTER ST, SAUGUS, MA 01906-2458
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35877-585
Date	May 19, 2017
Book Page	35877/585
Instrument	21

Lender

Name	USA ALLIANCE FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	156 Months
Due	May 1, 2030

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	$5,755.00 (+3.3%)	$552,300 (+5.89%) Land $313,400 Building $238,900	$600,292 (+7.45%)
2025	$5,571.00 (+6.4%)	$521,600 (+6.1%) Land $283,400 Building $238,200	$558,695
2024	$5,236.00 (+1.79%)	$491,600 (+7.62%) Land $257,600 Building $234,000
2023	$5,144.00	$456,800 Land $231,800 Building $225,000

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
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1979–1988)
Most Recent Claim	Jan 1988 · rainfall accumulation

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	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 486 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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