14 Saunders St, Salem, MA 01970 Property Records

Essex County and Salem City property record for 14 Saunders St, Salem, MA 01970

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,578 sqft · built 1800
Lot Size	0.104 acres (4,522 sqft)
Owner	2 Individual Names on File
Last Sale	$33,000 (Jan 1977)
Tax Bill	$7,213 (2026)
Deeds & Mortgages	Mar 2022 Refinance Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SALE M:36 L:0079`

Property Details

APN / Parcel Number

Primary APN	`SALE M:36 L:0079`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	3 Stories
Building Area	2,578 sqft Living Area
Gross Area	4,240 sqft
Basement Area	981 sqft
Unfinished Basement	981 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1800
Effective Year Built	Effective 1800
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,522 sqft (0.104 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	14 SAUNDERS ST
City	SALEM
State	MA
Zip	01970-3955
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Legal Lot Number	79
Jurisdiction	SALEM MA
Township / Civil Division	SALEM
Census Block Group	1
Census Block	1026
Census Tract	204500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Bridge Street Neck Historic District listed 2002 · 383 contributing resources · NRIS 02000790

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

14 Saunders St, a duplex, is owned and occupied by two individuals who bought it in January 1977.

Source: Essex County and Salem City records, as of October 20, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	14 SAUNDERS ST, SALEM, MA 01970-3955
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC
Oct 2, 2018	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 1, 1977 · Amount on File
Deed Sale	Jan 1, 1977 · Amount on File
Deed Book / Page	6355 / 92
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM MA
Property Address	14 SAUNDERS ST, SALEM, MA 01970-3955
Transaction Type	Mortgage
Record Updated	Apr 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040808-566
Date	Mar 22, 2022
Book Page	40808/566
Instrument	20220322004250

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

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

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM MA
Property Address	14 SAUNDERS ST, SALEM, MA 01970-3955
Document Number	37083-527
Instrument Date	Oct 2, 2018
Transaction Type	Mortgage
Record Updated	Nov 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14 SAUNDERS ST SALEM MA 019703955, SALEM, MA 01970-3955

Mortgage

Document Number	37083-527
Date	Oct 16, 2018
Book Page	037083/000527
Instrument	16002550

Lender

Name	PENNYMAC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 14 Saunders St was $7,213, up 6.7% from the year before.

Source: Essex County and Salem City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
Municipality	Salem City
Unified School District	Salem School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,213.00 (+6.65%)	$669,100 (+12.19%) Land $201,600 Building $465,100	$704,530
2025	$6,763.00 (+4.64%)	$596,400 (+7.23%) Land $168,900 Building $427,500
2024	$6,463.00 (+3.34%)	$556,200 (+11.26%) Land $160,100 Building $396,100
2023	$6,254.00	$499,900 Land $148,200 Building $351,700

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

Flood

FEMA maps place 14 Saunders St 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
Flood Insurance Cost	Premium on File median of 43 individual policies
Nearby Flood Policies	48 units insured incl. 5 condo units
Nearby Flood Claims	21 (1982–2024)
Claims Outside the SFHA	4 of 21
Most Recent Claim	Jan 2024 · tidal / storm surge

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

Wildfire risk around 14 Saunders St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	SALEM WATER DEPARTMENT serves 44,480 people · EPA ID MA3258000
Water Source	Purchased surface water from SALEM AND BEVERLY WATER SUPPLY BOARD
Last State Inspection	Dec 2024

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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