Essex County and Saugus Town property record for 16 Denver St, Saugus, MA 01906
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 3 ba · 2,332 sqft · built 1850 |
| Lot Size | 0.206 acres (8,952 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $645,000 (Aug 2023) |
| Tax Bill | $8,153 (2026) |
| Deeds & Mortgages | May 2026 Mortgage Jan 2024 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SAUG M:007-E B:0008 L:0013 |
| Primary APN | SAUG M:007-E B:0008 L:0013 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 12 Rooms |
| Units | 2 Units |
| Stories | 3 Stories |
| Building Area | 2,332 sqft Living Area |
| Gross Area | 3,948 sqft |
| 1st Floor Area | 986 sqft |
| Basement Area | 986 sqft |
| Unfinished Basement | 986 sqft |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1850 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,952 sqft (0.206 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 899024 |
|---|---|
| Street Address | 16 DENVER ST |
| City | SAUGUS |
| State | MA |
| Zip | 01906-2468 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | NA |
| Legal Subdivision | DENVER TERRACE |
| Legal Block | 8 |
| Legal Lot Number | 13 |
| Jurisdiction | SAUGUS MA |
| Township / Civil Division | SAUGUS |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 208200 |
16 Denver St, a duplex, is owned by two individuals who bought it in August 2023.
Source: Essex County and Saugus Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 926, SAUGUS, MA 01906-0026 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 5, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 29, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE |
| Aug 2, 2023 | Quit Claim Deed, Transfer · Commercial Mortgage CAPITAL MART LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 2, 2023 · Amount on File |
| Deed Sale | Aug 2, 2023 · Amount on File |
| Prior Sale | Oct 22, 2010 · Amount on File |
| Deed Document Number | 20231180 |
| Deed Book / Page | 41695 / 13 |
| Prior Transfer Date | Jul 31, 2023 |
| Prior Transfer Doc | 0041695-13 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Recording Date | May 5, 2026 |
| Property Address | 16 DENVER ST, SAUGUS, MA 01906-2468 |
| Document Number | 0043367-29 |
| Book / Page | 43367 / 29 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 2026950 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 16 DENVER ST, SAUGUS, MA 01906-2468 |
| Document Number | 0000000950, |
|---|---|
| Date | May 5, 2026 |
| Book Page | 43367/29 |
| Instrument | 2026950 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 16 DENVER ST, SAUGUS, MA 01906-2468 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2024 |
| Name | Verified Name |
|---|
| Document Number | 041965-137 |
|---|---|
| Date | Jan 29, 2024 |
| Book Page | 41965/137 |
| Instrument | 20240129001650 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAUGUS MA |
| Recording Date | Aug 2, 2023 |
| Property Address | 16 DENVER ST, SAUGUS, MA 01906-2468 |
| Document Number | 0041695-13 |
| Book / Page | 41695 / 13 |
| Instrument Date | Jul 31, 2023 |
| Instrument | 20230802001180 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 73 SPRINGDALE AVE, SAUGUS, MA 01906-2657 |
| Document Number | 230802001190 |
|---|---|
| Date | Aug 2, 2023 |
| Instrument | 230802001190 |
| Name | CAPITAL MART LLC |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 16 Denver St was $8,153, up 2.4% from the year before.
Source: Essex County and Saugus Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Saugus Town |
| Unified School District | Saugus School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,153.00 (+2.37%) | $782,400 (+4.92%) Land $342,500 Building $429,300 | $764,768 |
| 2025 | $7,964.00 (+24.71%) | $745,700 (+24.37%) Land $311,300 Building $434,400 | |
| 2024 | $6,386.00 (-11.91%) | $599,600 (-6.87%) Land $293,500 Building $306,100 | |
| 2023 | $7,249.00 | $643,800 Land $258,000 Building $385,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 16 Denver St in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1991.
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 | 7 in force |
| Nearby Flood Claims | 9 (1991–2008) |
| Claims Outside the SFHA | 2 of 9 |
| Most Recent Claim | Dec 2008 · Severe Winter Storm And Flooding |
| Claims by Event |
|
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.
The area around 16 Denver 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 429 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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