18 Montgomery St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 18 Montgomery St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,762 sqft · built 1965
Lot Size	0.359 acres (15,621 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Aug 2000)
Tax Bill	$6,365 (2026)
Deeds & Mortgages	Jun 2020 Mortgage Dec 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:007-G B:0003 L:0003`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:007-G B:0003 L:0003`
Alternative APNs	`M:007=G B:0003 L:0003` `9442016`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,762 sqft Living Area
Gross Area	2,156 sqft
1st Floor Area	990 sqft
Basement Area	990 sqft
Unfinished Basement	218 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,621 sqft (0.359 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	9442016
Street Address	18 MONTGOMERY ST
City	SAUGUS
State	MA
Zip	01906-2633
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Subdivision	WEST MEADOW MILL
Legal Block	3
Legal Lot Number	3
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	3
Census Block	3013
Census Tract	208101

Owner

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 Record
Mailing Address	18 MONTGOMERY ST, SAUGUS, MA 01906-2633
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2020	Deed of Trust, Mortgage · ARM WEBSTER FIRST FEDERAL CREDIT UNION
Dec 12, 2018	Deed of Trust, Mortgage · ARM WEBSTER FIRST FEDERAL CREDIT UNION
Jun 8, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER FIRST FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2000 · Amount on Record
Deed Sale	Aug 30, 2000 · Amount on Record
Deed Book / Page	16533 / 443
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	18 MONTGOMERY ST, SAUGUS, MA 01906-2633
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38654-114
Date	Jun 26, 2020
Book Page	38654/114
Instrument	20200626005230

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	3.38%
Type Change Date	Jul 1, 2030
Index	5-Year CMT

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	18 MONTGOMERY ST, SAUGUS, MA 01906-2633
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37210-574
Date	Dec 12, 2018
Book Page	37210/574
Instrument	20181212000590

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Type Change Date	Jan 1, 2029

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	18 MONTGOMERY ST, SAUGUS, MA 01906-2633
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38588-546
Date	Jun 8, 2020
Book Page	38588/546
Instrument	20200608001010

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2035

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	$6,365.00 (+5%)	$610,800 (+7.61%) Land $368,100 Building $241,300	$630,189 (+3.26%)
2025	$6,062.00 (+4.52%)	$567,600 (+4.22%) Land $334,700 Building $232,900	$610,280
2024	$5,800.00 (+7.61%)	$544,600 (+13.77%) Land $315,500 Building $229,100
2023	$5,390.00	$478,700 Land $277,300 Building $201,400

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 units insured incl. 6 condo units
Nearby Flood Claims	2 (1978–1996)
Most Recent Claim	Oct 1996 · Extreme Weather Conditons And Flooding

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	Low lower than 98% of the US · lower than 96% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 450 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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