20 Harvard Ave, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,281 sqft · built 1945
Lot Size	0.072 acres (3,123 sqft)
Owner	Individual Name on Record
Last Sale	$334,000 (Apr 2005)
Tax Bill	$5,258 (2025)
Deeds & Mortgages	Oct 2020 Sale
Flood Zone	Zone AE (high risk)
APN	`SAUG M:006-H B:0018 L:0010`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:006-H B:0018 L:0010`
Alternative APNs	`M:006=H B:0018 L:0010` `2706023`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,281 sqft Living Area
Gross Area	1,918 sqft
1st Floor Area	806 sqft
Basement Area	528 sqft
Unfinished Basement	528 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,123 sqft (0.072 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2706023
Street Address	20 HARVARD AVE
City	SAUGUS
State	MA
Zip	01906-1708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	18
Legal Lot Number	10
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1000
Census Tract	208102

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	20 HARVARD AVE, SAUGUS, MA 01906-1708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2005 · Amount on Record
Deed Sale	Apr 29, 2005 · Amount on Record
Deed Book / Page	24232 / 473
Record Updated	Sep 20, 2026

October 2020: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	SAUGUS MA
Recording Date	Oct 29, 2020
Property Address	20 HARVARD AVE, SAUGUS, MA 01906-1708
Document Number	39115-309
Book / Page	039115 / 000309
Instrument Date	Oct 23, 2020
Instrument	29001320
Transaction Type	Transfer
Record Updated	Nov 17, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 HARVARD AVE SAUGUS MA 019061708, SAUGUS, MA 01906-1708

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	$5,258.00 (+6.37%)	$492,300 (+6.08%) Land $274,300 Building $218,000	$900,790
2024	$4,943.00 (+0.98%)	$464,100 (+6.76%) Land $249,400 Building $214,700
2023	$4,895.00	$434,700 Land $224,400 Building $210,300

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 46 policies
Nearby Flood Policies	46 in force
Nearby Flood Claims	58 (1978–2024)
Claims Outside the SFHA	4 of 58
Most Recent Claim	Jan 2024 · other causes
Claims by Event	Severe Storms And Flooding, May 2006 · 6 claims Extreme Weather Conditons And Flooding, Oct 1996 · 5 claims Coastal Storm, Oct 1991 · 4 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	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 264 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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