19 Prospect Ave, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 19 Prospect Ave, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,465 sqft · built 1988
Lot Size	0.253 acres (10,999 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,060,000 (Jul 2024)
Tax Bill	$9,541 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Jan 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:004-F B:0019 L:0008`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:004-F B:0019 L:0008`
Alternative APNs	`M:004=F B:0019 L:0008` `2435014`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,465 sqft Living Area
Gross Area	4,750 sqft
1st Floor Area	2,100 sqft
Basement Area	2,100 sqft
Unfinished Basement	735 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,999 sqft (0.253 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	2435014
Street Address	19 PROSPECT AVE
City	SAUGUS
State	MA
Zip	01906-3821
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	19
Legal Lot Number	8
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2005
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	19 PROSPECT AVE, SAUGUS, MA 01906-3821
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2026	Deed of Trust, Mortgage FREEDOM MORTGAGE CORP
Jan 8, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND
Oct 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage METRO CU
Oct 4, 2019	Deed of Trust, Mortgage · Line of Credit METRO CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2024 · Amount on Record
Deed Sale	Jul 17, 2024 · Amount on Record
Deed Document Number	2024652486
Prior Transfer Date	Jul 16, 2024
Prior Transfer Doc	0000652486
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	19 PROSPECT AVE, SAUGUS, MA 01906-3821
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000664858
Date	Mar 5, 2026
Instrument	664858

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	19 PROSPECT AVE, SAUGUS, MA 01906-3821
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39388-395
Date	Jan 8, 2021
Book Page	39388/395
Instrument	20210108001580

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	289 Months
Due	Feb 1, 2045

Interest

Rate Type	Adjustable Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	19 PROSPECT AVE, SAUGUS, MA 01906-3821
Document Number	0000606264
Instrument Date	Oct 4, 2019
Transaction Type	Mortgage
Record Updated	Oct 29, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 PROSPECT AVE SAUGUS MA 019063821, SAUGUS, MA 01906-3821

Mortgage

Document Number	0000606264
Date	Oct 9, 2019
Instrument	606264

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Oct 8, 2044

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	19 PROSPECT AVE, SAUGUS, MA 01906-3821
Document Number	0000606265
Instrument Date	Oct 4, 2019
Transaction Type	Mortgage
Record Updated	Oct 29, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 PROSPECT AVE SAUGUS MA 019063821, SAUGUS, MA 01906-3821

Mortgage

Document Number	0000606265
Date	Oct 9, 2019
Instrument	606265

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 8, 2044

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	$9,541.00 (+3.91%)	$915,600 (+6.5%) Land $350,400 Building $558,600	$940,841 (-4.73%)
2025	$9,182.00 (+4.06%)	$859,700 (+3.77%) Land $318,500 Building $541,200	$987,525
2024	$8,824.00 (+3.14%)	$828,500 (+9.04%) Land $300,300 Building $528,200
2023	$8,555.00	$759,800 Land $263,900 Building $495,900

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	6 (1978–2023)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Aug 2023 · other causes
Claims by Event	Severe Storms And Flooding, May 2006 · 2 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	Low lower than 99.1% of the US · lower than 98.7% 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 199 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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