195 Winter St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 195 Winter St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,746 sqft · built 1910
Lot Size	0.115 acres (5,001 sqft)
Owner	Individual Name on Record
Last Sale	$254,100 (Dec 2018)
Tax Bill	$5,388 (2025)
Deeds & Mortgages	Oct 2022 Mortgage May 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:007-E B:0014 L:0005`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:007-E B:0014 L:0005`
Alternative APNs	`M:007=E B:0014 L:0005` `9268008`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,746 sqft Living Area
Gross Area	2,118 sqft
1st Floor Area	674 sqft
Basement Area	662 sqft
Unfinished Basement	152 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,001 sqft (0.115 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	9268008
Street Address	195 WINTER ST
City	SAUGUS
State	MA
Zip	01906-2459
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	14
Legal Lot Number	5
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2000
Census Tract	208200

Owner

Source: Essex County and Saugus Town records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	195 WINTER ST, SAUGUS, MA 01906-2459
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
May 9, 2023	Quit Claim Deed, Transfer Quitclaim
Dec 21, 2018	Quit Claim Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Mar 16, 2017	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2018 · Amount on Record
Deed Sale	Dec 21, 2018 · Amount on Record
Prior Sale	Mar 16, 2017 · Amount on Record
Deed Book / Page	37234 / 309
Last Transfer Date	May 9, 2023
Transfer Doc	041556-262
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	195 WINTER ST, SAUGUS, MA 01906-2459
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041255-246
Date	Oct 20, 2022
Book Page	41255/246
Instrument	20221020000300

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Nov 1, 2062

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	May 9, 2023
Property Address	195 WINTER ST, SAUGUS, MA 01906-2459
Document Number	041556-262
Book / Page	41556 / 262
Instrument Date	May 9, 2023
Instrument	20230509002180
Transaction Type	Transfer
Record Updated	May 26, 2023

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	195 WINTER ST, SAUGUS, MA 01906-2459

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Dec 21, 2018
Property Address	195 WINTER ST, SAUGUS, MA 01906-2459
Document Number	37234-309
Book / Page	37234 / 309
Instrument Date	Oct 31, 2018
Instrument	20181221001860
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	22 WINTER ST, EVERETT, MA 02149-4628

Mortgage

Document Number	181221001870
Date	Dec 21, 2018
Instrument	181221001870

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

March 2017: Foreclosure

Document Type	Foreclosure
Jurisdiction	SAUGUS MA
Recording Date	Mar 16, 2017
Property Address	195 WINTER ST, SAUGUS, MA 01906-2459
Document Number	35738-440
Book / Page	035738 / 000440
Instrument Date	Mar 15, 2017
Instrument	1703160364
Transaction Type	Foreclosure
Record Updated	Apr 4, 2017

Transaction

Amount	Amount Recorded
Tax	$1,367.27
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1661 WORTHINGTON RD #100 WEST PALM BEACH FL 334096493, 100, WEST PALM BEACH, FL 33409-6493

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
2025	$5,388.00 (+6.78%)	$504,500 (+6.48%) Land $280,500 Building $224,000	$672,600
2024	$5,046.00 (+1.63%)	$473,800 (+7.46%) Land $255,000 Building $218,800
2023	$4,965.00	$440,900 Land $229,500 Building $211,400

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	1 in force
Nearby Flood Claims	6 (1979–2010)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Mar 2010 · Severe Storms 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	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 486 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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