146 Forest St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 146 Forest St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,340 sqft · built 1950
Lot Size	0.46 acres (20,046 sqft)
Owner	Individual Name on Record
Last Sale	$146,000 (Feb 1997)
Tax Bill	$6,502 (2026)
Deeds & Mortgages	Jan 2023 Mortgage Sep 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:012-D B:0002 L:0002`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:012-D B:0002 L:0002`
Alternative APNs	`M:012=D B:0002 L:0002` `3934017`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,340 sqft Living Area
Gross Area	2,420 sqft
1st Floor Area	800 sqft
Basement Area	840 sqft
Unfinished Basement	840 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,046 sqft (0.46 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3934017
Street Address	146 FOREST ST
City	SAUGUS
State	MA
Zip	01906-3137
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	2
Legal Lot Number	2
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1001
Census Tract	208401

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	146 FOREST ST, SAUGUS, MA 01906-3137
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2023	Quit Claim Deed, Transfer · ARM NORTHPOINT MORTGAGE INC
Sep 21, 2018	Deed of Trust, Mortgage CENTURY BANK & TRUST CO
Jul 31, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CENTURY BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 1997 · Amount on Record
Deed Sale	Feb 28, 1997 · Amount on Record
Last Transfer Date	Dec 27, 2022
Transfer Doc	041386-374
Record Updated	Oct 29, 2026

January 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jan 5, 2023
Property Address	146 FOREST ST, SAUGUS, MA 01906-3137
Document Number	041386-374
Book / Page	41386 / 374
Instrument Date	Dec 27, 2022
Instrument	20230105001970
Transaction Type	Transfer
Record Updated	Jan 20, 2023

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	146 FOREST ST, SAUGUS, MA 01906-3137

Mortgage

Document Number	041386-377
Date	Jan 5, 2023
Book Page	41386/377
Instrument	20230105001980

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Feb 1, 2033
Index	Other
Margin	3

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	146 FOREST ST, SAUGUS, MA 01906-3137
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37027-595
Date	Sep 21, 2018
Book Page	37027/595
Instrument	180921001550

Lender

Name	CENTURY BANK & TRUST CO
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	146 FOREST ST, SAUGUS, MA 01906-3137
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37715-517
Date	Jul 31, 2019
Book Page	37715/517
Instrument	20190731005660

Lender

Name	CENTURY BANK & TRUST
Type	Bank

Agreement

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

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	$6,502.00 (+3.52%)	$624,000 (+6.1%) Land $405,200 Building $216,500	$647,162 (-14.45%)
2025	$6,281.00 (+2.66%)	$588,100 (+2.37%) Land $370,200 Building $217,900	$756,485
2024	$6,118.00 (+4.31%)	$574,500 (+10.29%) Land $360,200 Building $214,300
2023	$5,865.00	$520,900 Land $315,100 Building $205,800

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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force

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	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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	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 121 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Verizon.

Nearby Properties on Forest St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures