18 Harvard Ave, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 18 Harvard Ave, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,600 sqft · built 1930
Lot Size	0.108 acres (4,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$770,000 (Oct 2024)
Tax Bill	$6,931 (2026)
Deeds & Mortgages	Feb 2021 Refinance Jan 2026 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`SAUG M:006-H B:0018 L:0011`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:006-H B:0018 L:0011`
Alternative APNs	`M:006=H B:0018 L:0011` `10021028`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,600 sqft Living Area
Gross Area	1,912 sqft
1st Floor Area	718 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1978
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,700 sqft (0.108 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	10021028
Street Address	18 HARVARD AVE
City	SAUGUS
State	MA
Zip	01906-1708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Subdivision	EDISON TER SAUGUS SEC B PLAN 0
Legal Block	18
Legal Lot Number	11
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1005
Census Tract	208102

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	18 HARVARD AVE, SAUGUS, MA 01906-1708
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP
Jan 15, 2026	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Apr 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage PRIVATE INDIVIDUAL
Feb 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage REVERE MUN EMP CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2024 · Amount on Record
Deed Sale	Oct 15, 2024 · Amount on Record
Prior Sale	Oct 26, 2012 · Amount on Record
Deed Book / Page	42376 / 134
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	18 HARVARD AVE, SAUGUS, MA 01906-1708
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039557-406
Date	Feb 22, 2021
Book Page	39557/406
Instrument	20210222004800

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	18 HARVARD AVE, SAUGUS, MA 01906-1708
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	043179-443
Date	Jan 15, 2026
Book Page	43179/443
Instrument	20260115000150

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	18 HARVARD AVE, SAUGUS, MA 01906-1708
Document Number	38469-22
Instrument Date	Apr 21, 2020
Transaction Type	Mortgage
Record Updated	May 19, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 HARVARD AVE SAUGUS MA 019061708, SAUGUS, MA 01906-1708

Mortgage

Document Number	38469-22
Date	Apr 30, 2020
Book Page	038469/000022
Instrument	30001120

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	18 HARVARD AVE, SAUGUS, MA 01906-1708
Document Number	36529-227
Instrument Date	Feb 6, 2018
Transaction Type	Mortgage
Record Updated	Mar 7, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36529-227
Date	Feb 13, 2018
Book Page	036529/000227
Instrument	1802132780

Lender

Name	REVERE MUN EMP CU

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 12, 2038

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	$6,931.00 (+2.8%)	$665,200 (+5.37%) Land $309,200 Building $354,500	$691,112 (-5.41%)
2025	$6,742.00 (+49.23%)	$631,300 (+48.82%) Land $279,500 Building $351,800	$730,645
2024	$4,518.00 (+1.78%)	$424,200 (+7.61%) Land $254,100 Building $170,100
2023	$4,439.00	$394,200 Land $228,700 Building $165,500

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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 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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