Essex County and Saugus Town property record for 197 Winter St, Saugus, MA 01906 · Last verified April 2026
| Property Type | Residential > Multi-Unit > Duplex |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1910 |
| Square Footage | 2,435 sqft Living Area |
| Lot Size | 5,001 sqft (0.115 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $162,450 (1999) |
| Tax Bill | $6,926.00 (2025) |
Source: Essex County and Saugus Town records · APN SAUG M:007-E B:0014 L:0006
Assessment roll updated April 14, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 197 WINTER ST, SAUGUS, MA 01906-2459 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 15, 2022 | Deed of Trust, Mortgage · Stand Alone Refinance CITIZENS BANK |
| May 21, 2018 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 25, 1999 · Amount on Record |
| Deed Sale | Jan 25, 1999 · Amount on Record |
| Deed Book / Page | 15423 / 291 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 197 WINTER ST, SAUGUS, MA 01906-2459 |
| Transaction Type | Mortgage |
| Record Updated | Mar 04, 2022 |
| Name | Verified Name |
|---|
| Document Number | 040726-539 |
|---|---|
| Date | Feb 15, 2022 |
| Book Page | 40726/539 |
| Instrument | 20220215001430 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 197 WINTER ST, SAUGUS, MA 01906-2459 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 36726-365 |
|---|---|
| Date | May 21, 2018 |
| Book Page | 36726/365 |
| Instrument | 180521000330 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
Source: Essex County and Saugus Town records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Saugus Town |
| Unified School District | Saugus School District (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $6,926.00 (+7.03%) | $648,500 (+6.73%) Land $280,500 Building $368,000 |
| 2024 | $6,471.00 (+3.95%) | $607,600 (+9.91%) Land $255,000 Building $352,600 |
| 2023 | $6,225.00 | $552,800 Land $229,500 Building $323,300 |
Source: FEMA National Flood Hazard Layer, Essex County (25009C), updated July 10, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | SAUG M:007-E B:0014 L:0006 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 11 Rooms |
| Units | 2 Units |
| Building Area | 2,435 sqft Living Area |
| Gross Area | 4,066 sqft Gross Area |
| 1st Floor | 988 sqft 1st Floor |
| Basement Area | 974 sqft Basement |
| Unfinished Basement | 974 sqft Unfinished |
| Stories | 2 Stories |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Duplex Single Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 5,001 sqft (0.115 acres) |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Gas Heating Fuel |
| Account Number | 3691029 |
|---|---|
| Street Address | 197 WINTER ST |
| City | SAUGUS |
| State | MA |
| Zip | 01906-2459 |
| Property Usage | Residential Property Usage |
| Type | Residential > Multi-Unit > Duplex |
| Legal Block | 14 |
| Legal Lot Number | 6 |
| Jurisdiction | SAUGUS MA |
| Minor Civil Division | SAUGUS |
| Census Blockgroup | 2 |
| Census Block | 2000 |
| Census Tract | 208200 |
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