20 Garfield Ave, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 20 Garfield Ave, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,832 sqft · built 1950
Lot Size	0.119 acres (5,162 sqft)
Owner	2 Individual Names on File
Last Sale	$780,000 (Apr 2023)
Tax Bill	$6,844 (2026)
Deeds & Mortgages	Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:010-G B:0006 L:0002`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:010-G B:0006 L:0002`
Alternative APNs	`M:010=G B:0006 L:0002` `683014`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,832 sqft Living Area
Gross Area	3,020 sqft
1st Floor Area	932 sqft
Basement Area	932 sqft
Unfinished Basement	932 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,162 sqft (0.119 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	683014
Street Address	20 GARFIELD AVE
City	SAUGUS
State	MA
Zip	01906-1429
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	6
Legal Lot Number	2
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2020
Census Tract	208302

Owner

20 Garfield Ave is owned and occupied by two individuals who bought it in April 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 GARFIELD AVE, SAUGUS, MA 01906-1429
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2023 · Amount on File
Deed Sale	Apr 28, 2023 · Amount on File
Prior Sale	Jan 2, 2015
Record Updated	Oct 29, 2026

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Apr 28, 2023
Property Address	20 GARFIELD AVE, SAUGUS, MA 01906-1429
Document Number	0000643881
Instrument Date	Apr 28, 2023
Instrument	643881
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
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	Tenants by the Entirety
Address	20 GARFIELD AVE, SAUGUS, MA 01906-1429

Mortgage

Document Number	0000643882
Date	Apr 28, 2023
Instrument	643882

Lender

Name	MEMBERS PLUS CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 20 Garfield Ave was $6,844, up 3.9% from the year before.

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	$6,844.00 (+3.95%)	$656,800 (+6.54%) Land $344,900 Building $311,600	$740,823 (-7.02%)
2025	$6,584.00 (+2.75%)	$616,500 (+2.46%) Land $315,100 Building $301,400	$796,765
2024	$6,408.00 (+4.06%)	$601,700 (+10.02%) Land $306,600 Building $295,100
2023	$6,158.00	$546,900 Land $268,300 Building $278,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 20 Garfield Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2010.

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 File 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

Wildfire risk around 20 Garfield Ave is low, with a 0.01% annual chance of 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
Adjoins Burnable Land	Yes

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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