16 School St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,952 sqft · built 1970
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Last Sale	$389,000 (Jul 2017)
Tax Bill	$6,159 (2025)
Deeds & Mortgages	Mar 2021 Refinance Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:006-E B:0015 L:0002`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:006-E B:0015 L:0002`
Alternative APNs	`M:006=E B:0015 L:0002` `9368029`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,952 sqft Living Area
Gross Area	3,081 sqft
1st Floor Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,001 sqft (0.115 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	9368029
Street Address	16 SCHOOL ST
City	SAUGUS
State	MA
Zip	01906-3720
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	15
Legal Lot Number	2
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2002
Census Tract	208101

Owner

Source: Essex County and Saugus Town assessment roll, as of April 14, 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 File
Mailing Address	16 SCHOOL ST, SAUGUS, MA 01906-3720
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Jul 24, 2017	Quit Claim Deed, Transfer AMMERICAN FINANCIAL RESOURSES

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 24, 2017 · Amount on Record
Deed Sale	Jul 24, 2017 · Amount on Record
Deed Book / Page	36041 / 313
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	16 SCHOOL ST, SAUGUS, MA 01906-3720
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039605-535
Date	Mar 4, 2021
Book Page	39605/535
Instrument	20210304003530

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jul 24, 2017
Property Address	16 SCHOOL ST, SAUGUS, MA 01906-3720
Document Number	36041-313
Book / Page	36041 / 313
Instrument	268
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$43.92
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 SCHOOL ST, SAUGUS, MA 01906-3720
Investor	Possibly a Property Investor

Mortgage

Document Number	360410315
Date	Jul 24, 2017
Instrument	36041/0315

Lender

Name	AMMERICAN FINANCIAL RESOURSES
Type	Funding / Finance Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 2047

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
2025	$6,159.00 (+2.65%)	$576,700 (+2.36%) Land $314,500 Building $262,200	$634,695
2024	$6,000.00 (+4.48%)	$563,400 (+10.47%) Land $306,000 Building $257,400
2023	$5,743.00	$510,000 Land $267,800 Building $242,200

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 500 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

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 USA, Verizon.

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