20 Henry St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 20 Henry St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,798 sqft · built 1930
Lot Size	0.116 acres (5,036 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Feb 2016)
Tax Bill	$6,002 (2026)
Deeds & Mortgages	Nov 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:005-H B:0008 L:0018`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:005-H B:0008 L:0018`
Alternative APNs	`M:005=H B:0008 L:0018` `6947012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,798 sqft Living Area
Gross Area	2,736 sqft
1st Floor Area	744 sqft
Basement Area	856 sqft
Unfinished Basement	360 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,036 sqft (0.116 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6947012
Street Address	20 HENRY ST
City	SAUGUS
State	MA
Zip	01906-1815
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	8
Legal Lot Number	18
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	4
Census Block	4001
Census Tract	208101

Owner

20 Henry St is owned and occupied by an individual who bought it in February 2016.

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

Owner of Record	Individual Name on File
Mailing Address	20 HENRY ST, SAUGUS, MA 01906-1815
Occupancy	Owner Occupied
Owner Type	Individual

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	Name on Deed
Last Sale	Feb 24, 2016 · Amount on File
Deed Sale	Feb 24, 2016 · Amount on File
Prior Sale	Jul 30, 2015 · Amount on File
Deed Document Number	2016281
Deed Book / Page	34733 / 515
Transfer Doc	34733-515
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	20 HENRY ST, SAUGUS, MA 01906-1815
Transaction Type	Mortgage
Record Updated	Dec 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041320-313
Date	Nov 28, 2022
Book Page	41320/313
Instrument	20221128000090

Lender

Name	HARBORONE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 20 Henry St was $6,002, up 3.7% 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	$6,002.00 (+3.72%)	$576,000 (+6.29%) Land $327,400 Building $248,100	$644,258 (+2.36%)
2025	$5,787.00 (+4.82%)	$541,900 (+4.53%) Land $297,600 Building $244,300	$629,375
2024	$5,521.00 (+3.08%)	$518,400 (+8.98%) Land $280,600 Building $237,800
2023	$5,356.00	$475,700 Land $246,600 Building $229,100

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

Flood

FEMA maps place 20 Henry St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 103 individual policies
Nearby Flood Policies	109 units insured incl. 6 condo units
Nearby Flood Claims	35 (1979–2025)
Claims Outside the SFHA	8 of 35
Most Recent Claim	Jan 2025 · other causes
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 claims Severe Storms And Flooding, May 2006 · 4 claims Extreme Weather Conditons And Flooding, Oct 1996 · 6 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

Wildfire risk around 20 Henry St is low, with less than 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 98% of the US · lower than 96% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 577 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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