15 Ernest St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,974 sqft · built 1880
Lot Size	0.16 acres (6,961 sqft)
Owner	Individual Name on File
Tax Bill	$6,172 (2026)
Deeds & Mortgages	Jun 2019 Mortgage Feb 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:004-F B:0008 L:0002`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:004-F B:0008 L:0002`
Alternative APNs	`M:004=F B:0008 L:0002` `9244003`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,974 sqft Living Area
Gross Area	3,555 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,961 sqft (0.16 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	9244003
Street Address	15 ERNEST ST
City	SAUGUS
State	MA
Zip	01906-3833
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	8
Legal Lot Number	2
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2000
Census Tract	208102

Owner

15 Ernest St is owned and occupied by an individual who acquired it in February 2019.

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

Owner of Record	Individual Name on File
Mailing Address	15 ERNEST ST, SAUGUS, MA 01906-3833
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
Jun 21, 2019	Deed of Trust, Mortgage · Balloon Mortgage EASTERN BANK
Feb 12, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 4, 2019
Transfer Doc	37324-65
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	15 ERNEST ST, SAUGUS, MA 01906-3833
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37604-62
Date	Jun 21, 2019
Book Page	37604/62
Instrument	20190621000350

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Feb 12, 2019
Property Address	15 ERNEST ST, SAUGUS, MA 01906-3833
Document Number	37324-65
Book / Page	037324 / 000065
Instrument Date	Feb 4, 2019
Instrument	190212860
Transaction Type	Transfer
Record Updated	Feb 26, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 ERNEST ST SAUGUS MA 019063833, SAUGUS, MA 01906-3833

Tax Assessment & Valuation

The 2026 property tax bill for 15 Ernest St was $6,172, up 4.4% 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	$6,172.00 (+4.4%)	$592,300 (+6.99%) Land $334,800 Building $249,200	$613,235 (-9.97%)
2025	$5,912.00 (+4.18%)	$553,600 (+3.88%) Land $304,400 Building $249,200	$681,150
2024	$5,675.00 (+3.56%)	$532,900 (+9.49%) Land $287,000 Building $245,900
2023	$5,480.00	$486,700 Land $252,200 Building $234,500

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

Flood

FEMA maps place 15 Ernest St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1978.

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 Policies	3 in force
Nearby Flood Claims	6 (1978–2023)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Aug 2023 · other causes
Claims by Event	Severe Storms And Flooding, May 2006 · 2 claims

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 15 Ernest 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	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 623 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband, Netafy.

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