15 School St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,041 sqft · built 1957
Lot Size	0.286 acres (12,441 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,492 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit May 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:006-E B:0016 L:0030`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:006-E B:0016 L:0030`
Alternative APNs	`M:006=E B:0016 L:0030` `1818023`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,041 sqft Living Area
Gross Area	2,289 sqft
1st Floor Area	1,041 sqft
Basement Area	1,026 sqft
Unfinished Basement	1,026 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,441 sqft (0.286 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	1818023
Street Address	15 SCHOOL ST
City	SAUGUS
State	MA
Zip	01906-3719
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	16
Legal Lot Number	30
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2001
Census Tract	208101

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	2 Individual Names on Record
Mailing Address	15 SCHOOL ST, SAUGUS, MA 01906-3719
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
May 23, 2018	Deed of Trust, Mortgage EASTERN BANK
Apr 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE EQUITY PARTNERS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Recording Date	Jul 28, 2026
Property Address	15 SCHOOL ST, SAUGUS, MA 01906-3719
Document Number	0000000750
Book / Page	43532 / 228
Instrument Date	Apr 21, 2026
Instrument	2026750
Transaction Type	Mortgage
Record Updated	Aug 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 SCHOOL ST, SAUGUS, MA 01906-3719

Mortgage

Document Number	0000000750,
Date	Jul 28, 2026
Book Page	43532/228
Instrument	2026750

Lender

Name	EASTERN BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Max Rate	-1%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	15 SCHOOL ST, SAUGUS, MA 01906-3719
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36733-335
Date	May 23, 2018
Book Page	36733/335
Instrument	180523001630

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	15 SCHOOL ST, SAUGUS, MA 01906-3719
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38429-284
Date	Apr 17, 2020
Book Page	38429/284
Instrument	20200417001620

Lender

Name	MORTGAGE EQUITY PARTNERS LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

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	$6,492.00 (+4.31%)	$623,000 (+6.9%) Land $374,400 Building $227,000	$612,181 (+14.01%)
2025	$6,224.00 (+2.64%)	$582,800 (+2.35%) Land $342,000 Building $240,800	$536,940
2024	$6,064.00 (+3.59%)	$569,400 (+9.52%) Land $332,800 Building $236,600
2023	$5,854.00	$519,900 Land $291,200 Building $228,700

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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1979–1984)
Most Recent Claim	Jun 1984 · 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

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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