Essex County and Saugus Town property record for 20 Cottage St, Saugus, MA 01906
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 3 ba · 3,342 sqft · built 1890 |
| Lot Size | 0.122 acres (5,306 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $189,600 (Sep 1994) |
| Tax Bill | $8,811 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | SAUG M:004-E B:0011 L:0056 |
| Primary APN | SAUG M:004-E B:0011 L:0056 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 16 Rooms |
| Units | 2 Units |
| Stories | 3 Stories |
| Building Area | 3,342 sqft Living Area |
| Gross Area | 5,568 sqft |
| 1st Floor Area | 1,404 sqft |
| Basement Area | 1,404 sqft |
| Unfinished Basement | 1,404 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,306 sqft (0.122 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 8793030 |
|---|---|
| Street Address | 20 COTTAGE ST |
| City | SAUGUS |
| State | MA |
| Zip | 01906-3852 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | NA |
| Legal Block | 11 |
| Legal Lot Number | 56 |
| Jurisdiction | SAUGUS MA |
| Township / Civil Division | SAUGUS |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 208102 |
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 | 20 COTTAGE ST, SAUGUS, MA 01906-3852 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 1994 · Amount on Record |
| Deed Sale | Sep 1, 1994 · Amount on Record |
| Deed Book / Page | 12730 / 496 |
| Record Updated | Oct 29, 2026 |
Source: Essex County and Saugus Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Saugus Town |
| Unified School District | Saugus School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,811.00 (+7.62%) | $845,600 (+10.31%) Land $328,400 Building $517,200 | $826,692 |
| 2025 | $8,187.00 (+3.44%) | $766,600 (+3.15%) Land $298,600 Building $468,000 | |
| 2024 | $7,915.00 (+6.44%) | $743,200 (+12.54%) Land $281,500 Building $461,700 | |
| 2023 | $7,436.00 | $660,400 Land $247,400 Building $413,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 623 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Astound Broadband, Netafy.
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