Essex County and Saugus Town property record for 14 Orchard Ave, Saugus, MA 01906
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,938 sqft · built 1956 |
| Lot Size | 0.352 acres (15,316 sqft) |
| Owner | Individual Name on File |
| Last Sale | $669,000 (Jun 2018) |
| Tax Bill | $8,807 (2026) |
| Deeds & Mortgages | Oct 2024 Line of Credit Dec 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SAUG M:008-D B:0007 L:0001 |
| Primary APN | SAUG M:008-D B:0007 L:0001 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,938 sqft Living Area |
| Gross Area | 5,476 sqft |
| 1st Floor Area | 1,854 sqft |
| Basement Area | 1,654 sqft |
| Unfinished Basement | 397 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Contemporary |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,316 sqft (0.352 acres) |
| Garage Type | Attached |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 2161017 |
|---|---|
| Street Address | 14 ORCHARD AVE |
| City | SAUGUS |
| State | MA |
| Zip | 01906-3267 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NA |
| Legal Block | 7 |
| Legal Lot Number | 1 |
| Jurisdiction | SAUGUS MA |
| Township / Civil Division | SAUGUS |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 208200 |
14 Orchard Ave is owned and occupied by an individual who bought it in June 2018.
Source: Essex County and Saugus Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 14 ORCHARD AVE, SAUGUS, MA 01906-3267 |
| 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.
| Date | Document |
|---|---|
| Oct 1, 2024 | Deed of Trust, Mortgage · Line of Credit WEBSTER FIRST FEDERAL CREDIT UNION |
| Dec 1, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC |
| Jun 29, 2018 | Quit Claim Deed, Transfer MELROSE BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 29, 2018 · Amount on File |
| Deed Sale | Jun 29, 2018 · Amount on File |
| Prior Sale | Jul 30, 2003 · Amount on File |
| Deed Book / Page | 36828 / 372 |
| Transfer Doc | 036828-372 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 14 ORCHARD AVE, SAUGUS, MA 01906-3267 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 042352-270 |
|---|---|
| Date | Oct 1, 2024 |
| Book Page | 42352/270 |
| Instrument | 20241001000510 |
| Name | WEBSTER FIRST FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 14 ORCHARD AVE, SAUGUS, MA 01906-3267 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 39241-6 |
|---|---|
| Date | Dec 1, 2020 |
| Book Page | 39241/6 |
| Instrument | 20201201000650 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAUGUS MA |
| Recording Date | Jun 29, 2018 |
| Property Address | 14 ORCHARD AVE, SAUGUS, MA 01906-3267 |
| Document Number | 36828-372 |
| Book / Page | 036828 / 000372 |
| Instrument Date | Jun 29, 2018 |
| Instrument | 1806293320 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,051.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14 ORCHARD AVE SAUGUS MA 019063267, SAUGUS, MA 01906-3267 |
| Document Number | 36828-374 |
|---|---|
| Date | Jun 29, 2018 |
| Book Page | 036828/000374 |
| Instrument | 1806293330 |
| Name | MELROSE BK |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jun 28, 2048 |
| Rate | 3.13% |
|---|
The 2026 property tax bill for 14 Orchard Ave was $8,807, up 8.7% from the year before.
Source: Essex County and Saugus Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Saugus Town |
| Unified School District | Saugus School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,807.00 (+8.67%) | $845,200 (+11.39%) Land $386,000 Building $452,600 | $1,045,490 (+9.22%) |
| 2025 | $8,104.00 (+2.63%) | $758,800 (+2.35%) Land $352,700 Building $406,100 | $957,220 |
| 2024 | $7,896.00 (+2.23%) | $741,400 (+8.08%) Land $343,100 Building $398,300 | |
| 2023 | $7,724.00 | $686,000 Land $300,200 Building $385,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 14 Orchard 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 | 7 in force |
| Nearby Flood Claims | 9 (1991–2008) |
| Claims Outside the SFHA | 2 of 9 |
| Most Recent Claim | Dec 2008 · Severe Winter Storm And Flooding |
| Claims by Event |
|
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.
The area around 14 Orchard 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.
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 |
| 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.
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 |
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