15 Birch St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 15 Birch St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,476 sqft · built 1930
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Last Sale	$620,500 (Jan 2022)
Tax Bill	$6,244 (2026)
Deeds & Mortgages	Jan 2022 Sale & Mortgage May 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:005-F B:0015 L:0014`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:005-F B:0015 L:0014`
Alternative APNs	`M:005=F B:0015 L:0014` `2787029`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,476 sqft Living Area
Gross Area	2,735 sqft
1st Floor Area	864 sqft
Basement Area	786 sqft
Unfinished Basement	786 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,001 sqft (0.115 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	2787029
Street Address	15 BIRCH ST
City	SAUGUS
State	MA
Zip	01906-3737
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	15
Legal Lot Number	14
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1009
Census Tract	208101

Owner

15 Birch St is owned and occupied by two individuals who bought it in January 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	15 BIRCH ST, SAUGUS, MA 01906-3737
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
Jan 5, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SANTANDER BANK NA
May 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
May 24, 2018	Quit Claim Deed, Transfer · Conventional with PMI BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2022 · Amount on File
Deed Sale	Jan 5, 2022 · Amount on File
Prior Sale	May 24, 2018 · Amount on File
Deed Book / Page	40635 / 272
Record Updated	Oct 29, 2026

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jan 5, 2022
Property Address	15 BIRCH ST, SAUGUS, MA 01906-3737
Document Number	040635-272
Book / Page	40635 / 272
Instrument Date	Jan 5, 2022
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	15 BIRCH ST, SAUGUS, MA 01906-3737

Mortgage

Document Number	0040635274
Date	Jan 5, 2022
Instrument	40635/274

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	15 BIRCH ST, SAUGUS, MA 01906-3737
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38554-371
Date	May 28, 2020
Book Page	38554/371
Instrument	20200528000490

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	May 24, 2018
Property Address	15 BIRCH ST, SAUGUS, MA 01906-3737
Document Number	36737-205
Book / Page	036737 / 000205
Instrument Date	May 23, 2018
Instrument	1805242420
Transaction Type	Transfer
Record Updated	Jun 13, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,280.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 BIRCH ST SAUGUS MA 019063737, SAUGUS, MA 01906-3737

Mortgage

Document Number	36737-207
Date	May 24, 2018
Book Page	036737/000207
Instrument	1805242430

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 23, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 15 Birch St was $6,244, up 3% 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	$6,244.00 (+3.02%)	$599,200 (+5.59%) Land $327,300 Building $262,300	$639,702 (-4.65%)
2025	$6,061.00 (+4.37%)	$567,500 (+4.07%) Land $297,500 Building $270,000	$670,890
2024	$5,807.00 (+2.27%)	$545,300 (+8.13%) Land $280,500 Building $264,800
2023	$5,678.00	$504,300 Land $246,500 Building $257,800

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

Flood

FEMA maps place 15 Birch St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 1998 · Heavy Rains And Flooding

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 15 Birch St 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 683 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, T-Mobile, Verizon.

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