18 Sterling Ave, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,730 sqft · built 1960
Lot Size	0.345 acres (15,037 sqft)
Owner	2 Individual Names on Record
Last Sale	$720,000 (Nov 2025)
Tax Bill	$6,846 (2026)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Oct 2021 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:011-F B:0013 L:0016`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:011-F B:0013 L:0016`
Alternative APNs	`M:011=F B:0013 L:0016` `4352036`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,730 sqft Living Area
Gross Area	2,450 sqft
1st Floor Area	1,210 sqft
Basement Area	1,040 sqft
Unfinished Basement	520 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,037 sqft (0.345 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4352036
Street Address	18 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	16
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2005
Census Tract	208302

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 STERLING AVE, SAUGUS, MA 01906-1318
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2025	Quit Claim Deed, Transfer · Conventional Mortgage SALEM FIVE MORTGAGE CORP
Oct 12, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage PRIME LENDING INC
Jun 11, 2021	Quit Claim Deed, Transfer Quitclaim
Nov 25, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Sep 3, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
May 17, 2016	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2025 · Amount on Record
Deed Sale	Nov 14, 2025 · Amount on Record
Prior Sale	Oct 12, 2021 · Amount on Record
Deed Document Number	2025662704
Prior Transfer Date	Nov 13, 2025
Prior Transfer Doc	0000662704
Record Updated	Oct 29, 2026

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Nov 14, 2025
Property Address	18 STERLING AVE, SAUGUS, MA 01906-1318
Document Number	0000662704
Instrument Date	Nov 13, 2025
Instrument	662704
Transaction Type	Transfer
Record Updated	Dec 10, 2025

Transaction

Amount	Amount Recorded
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	Joint Tenants with Right of Survivorship
Address	18 STERLING AVE, SAUGUS, MA 01906-1318

Mortgage

Document Number	0000662705
Date	Nov 14, 2025
Instrument	662705

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Oct 12, 2021
Property Address	18 STERLING AVE, SAUGUS, MA 01906-1318
Document Number	630010
Instrument Date	Oct 8, 2021
Instrument	630010
Transaction Type	Transfer
Record Updated	Oct 29, 2021

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	18 STERLING AVE, SAUGUS, MA 01906-1318

Mortgage

Document Number	630011
Date	Oct 12, 2021
Instrument	630011

Lender

Name	PRIME LENDING INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jun 11, 2021
Property Address	18 STERLING AVE, SAUGUS, MA 01906-1318
Document Number	626055
Instrument Date	May 6, 2021
Instrument	626055
Transaction Type	Transfer
Record Updated	Aug 18, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 TARA RD, PEABODY, MA 01960-6261

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	18 STERLING AVE, SAUGUS, MA 01906-1318
Document Number	0000619532
Instrument Date	Nov 25, 2020
Transaction Type	Mortgage
Record Updated	Dec 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 STERLING AVE SAUGUS MA 019061318, SAUGUS, MA 01906-1318

Mortgage

Document Number	0000619532
Date	Dec 9, 2020
Instrument	619532

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 8, 2050

Interest

Rate Type	Adjustable Rate

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Sep 3, 2020
Property Address	18 STERLING AVE, SAUGUS, MA 01906-1318
Document Number	0000615890
Instrument Date	Aug 17, 2020
Instrument	615890
Transaction Type	Transfer
Record Updated	Sep 24, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 STERLING AVE SAUGUS MA 019061318, SAUGUS, MA 01906-1318

May 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	18 STERLING AVE, SAUGUS, MA 01906-1318
Document Number	0000582123
Instrument Date	May 17, 2016
Transaction Type	Mortgage
Record Updated	May 23, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust

Mortgage

Document Number	0000582123
Date	May 1, 2017
Instrument	582123

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2047

Interest

Rate Type	Adjustable Rate

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	$6,846.00 (+4.38%)	$657,000 (+6.99%) Land $384,900 Building $266,800	$681,768 (+15.12%)
2025	$6,559.00 (+2.76%)	$614,100 (+2.47%) Land $351,600 Building $262,500	$592,230
2024	$6,383.00 (+3.69%)	$599,300 (+9.62%) Land $342,100 Building $257,200
2023	$6,156.00	$546,700 Land $299,400 Building $247,300

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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