16 Sterling Ave, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 16 Sterling Ave, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,758 sqft · built 1959
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Individual Names on File
Last Sale	$645,000 (Dec 2023)
Tax Bill	$5,954 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:011-F B:0013 L:0015`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:011-F B:0013 L:0015`
Alternative APNs	`M:011=F B:0013 L:0015` `5084020`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,758 sqft Living Area
Gross Area	2,430 sqft
1st Floor Area	1,082 sqft
Basement Area	1,040 sqft
Unfinished Basement	364 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,001 sqft (0.23 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	5084020
Street Address	16 STERLING AVE
City	SAUGUS
State	MA
Zip	01906-1318
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	13
Legal Lot Number	15
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2005
Census Tract	208302

Owner

16 Sterling Ave is owned and occupied by two individuals who bought it in December 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	16 STERLING AVE, SAUGUS, MA 01906-1318
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2025	Deed of Trust, Mortgage GUARANTEED RATE INC
Dec 1, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2023 · Amount on File
Deed Sale	Dec 1, 2023 · Amount on File
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	16 STERLING AVE, SAUGUS, MA 01906-1318
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000662349
Date	Oct 31, 2025
Instrument	662349

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Dec 1, 2023
Property Address	16 STERLING AVE, SAUGUS, MA 01906-1318
Document Number	0000648379
Instrument Date	Dec 1, 2023
Instrument	648379
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	16 STERLING AVE, SAUGUS, MA 01906-1318

Mortgage

Document Number	0000648380
Date	Dec 1, 2023
Instrument	648380

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 16 Sterling Ave was $5,954, up 4.2% 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	$5,954.00 (+4.18%)	$571,400 (+6.78%) Land $291,600 Building $279,800	$641,677 (+4.24%)
2025	$5,715.00 (+2.62%)	$535,100 (+2.33%) Land $266,400 Building $268,700	$615,600
2024	$5,569.00 (+3.51%)	$522,900 (+9.44%) Land $259,200 Building $263,700
2023	$5,380.00	$477,800 Land $226,800 Building $251,000

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

Flood

FEMA maps place 16 Sterling Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2010.

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
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	4 (2010–2024)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Jan 2024 · 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

Wildfire risk around 16 Sterling Ave is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect 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 423 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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