16 Ballard St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 16 Ballard St, Saugus, MA 01906

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,592 sqft · built 1890
Lot Size	0.292 acres (12,715 sqft)
Owner	Individual Name on File
Last Sale	$358,900 (Apr 2014)
Tax Bill	$7,685 (2026)
Deeds & Mortgages	Jun 2018 Line of Credit May 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:006-H B:0005 L:0003`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:006-H B:0005 L:0003`
Alternative APNs	`M:006=H B:0005 L:0003` `10164005`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,592 sqft Living Area
Gross Area	4,086 sqft
1st Floor Area	1,296 sqft
Basement Area	1,296 sqft
Unfinished Basement	1,296 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	12,715 sqft (0.292 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	10164005
Street Address	16 BALLARD ST
City	SAUGUS
State	MA
Zip	01906-1704
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	NA
Legal Block	5
Legal Lot Number	3
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1012
Census Tract	208102

Owner

16 Ballard St, a duplex, is owned and occupied by an individual who bought it in April 2014.

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

Owner of Record	Individual Name on File
Mailing Address	16 BALLARD ST, SAUGUS, MA 01906-1704
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 7, 2018	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
May 28, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance EASTERN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2014 · Amount on File
Deed Sale	Apr 18, 2014 · Amount on File
Prior Sale	Jan 7, 2014 · Amount on File
Deed Book / Page	33225 / 318
Transfer Doc	033225-318
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	16 BALLARD ST, SAUGUS, MA 01906-1704
Transaction Type	Mortgage
Record Updated	Mar 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36771-185
Date	Jun 7, 2018
Book Page	36771/185
Instrument	180607003160

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	16 BALLARD ST, SAUGUS, MA 01906-1704
Transaction Type	Mortgage
Record Updated	Mar 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37539-149
Date	May 28, 2019
Book Page	37539/149
Instrument	20190528003170

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 16 Ballard St was $7,685, up 2.6% 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	$7,685.00 (+2.59%)	$737,500 (+5.15%) Land $338,400 Building $398,400	$840,383
2025	$7,491.00 (+5.33%)	$701,400 (+5.03%) Land $306,000 Building $395,400
2024	$7,112.00 (+0.88%)	$667,800 (+6.66%) Land $278,100 Building $389,700
2023	$7,050.00	$626,100 Land $250,300 Building $375,800

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

Flood

FEMA maps place 16 Ballard St in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 46 policies
Nearby Flood Policies	46 in force
Nearby Flood Claims	58 (1978–2024)
Claims Outside the SFHA	4 of 58
Most Recent Claim	Jan 2024 · other causes
Claims by Event	Severe Storms And Flooding, May 2006 · 6 claims Extreme Weather Conditons And Flooding, Oct 1996 · 5 claims Coastal Storm, Oct 1991 · 4 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

No wildfire likelihood is modeled around 16 Ballard St, 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 wildfire likelihood modeled here

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

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

May also be available: T-Mobile, Verizon.

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