20 Herbert Ave, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 20 Herbert Ave, Saugus, MA 01906 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,350 sqft · built 1930
Lot Size	0.172 acres (7,501 sqft)
Owner	Individual Name on File
Last Sale	$345,000 (May 2003)
Tax Bill	$5,926 (2025)
Deeds & Mortgages	May 2026 Second Mortgage Jun 2021 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:006-E B:0020 L:0005`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:006-E B:0020 L:0005`
Alternative APNs	`M:006=E B:0020 L:0005` `2351030`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,350 sqft Living Area
Gross Area	3,232 sqft
1st Floor Area	1,069 sqft
Basement Area	1,069 sqft
Unfinished Basement	1,069 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,501 sqft (0.172 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	2351030
Street Address	20 HERBERT AVE
City	SAUGUS
State	MA
Zip	01906-3616
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	20
Legal Lot Number	5
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2006
Census Tract	208200

Owner

Source: Essex County and Saugus Town records · APN SAUG M:006-E B:0020 L:0005

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	20 HERBERT AVE, SAUGUS, MA 01906-3616
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 05, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MASSACHUSETTS FEDERAL CREDIT UNION
Jun 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Oct 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance EASTERN BANK
Jan 18, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance MASSACHUSETTS FAMILY CREDIT UNION
Jul 27, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MASSACHUSETTS FAMILY CREDIT UNION
Mar 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 07, 2003 · Amount on Record
Deed Sale	May 07, 2003 · Amount on Record
Deed Book / Page	20762 / 94
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Recording Date	May 05, 2026
Property Address	20 HERBERT AVE, SAUGUS, MA 01906-3616
Document Number	043366-494
Book / Page	43366 / 494
Instrument Date	Apr 28, 2026
Instrument	2026620
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 HERBERT AVE, SAUGUS, MA 01906-3616

Mortgage

Document Number	0000000620,
Date	May 05, 2026
Book Page	43366/494
Instrument	2026620

Lender

Name	MASSACHUSETTS FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 01, 2046

Interest

Rate	6.46%
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	20 HERBERT AVE, SAUGUS, MA 01906-3616
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040000-151
Date	Jun 21, 2021
Book Page	40000/151
Instrument	20210621004010

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jul 01, 2036

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	20 HERBERT AVE, SAUGUS, MA 01906-3616
Transaction Type	Mortgage
Record Updated	Nov 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40412-276
Date	Oct 26, 2021
Book Page	40412/276
Instrument	20211026004430

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2051

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	20 HERBERT AVE, SAUGUS, MA 01906-3616
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37281-75
Date	Jan 18, 2019
Book Page	37281/75
Instrument	20190118000800

Lender

Name	MASSACHUSETTS FAMILY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Feb 01, 2039

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	20 HERBERT AVE, SAUGUS, MA 01906-3616
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38755-209
Date	Jul 27, 2020
Book Page	38755/209
Instrument	20200727005280

Lender

Name	MASSACHUSETTS FAMILY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Aug 01, 2045

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	20 HERBERT AVE, SAUGUS, MA 01906-3616
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38343-470
Date	Mar 18, 2020
Book Page	38343/470
Instrument	20200318000340

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2050

Tax Assessment & Valuation

Source: Essex County and Saugus Town records · Assessment roll updated April 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,926.00 (+2.86%)	$554,900 (+2.59%) Land $323,800 Building $231,100	$612,845
2024	$5,761.00 (+2.18%)	$540,900 (+8.03%) Land $315,000 Building $225,900
2023	$5,638.00	$500,700 Land $275,600 Building $225,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Essex County (25009C), updated July 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250092082002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Nearby Flood Policies	1 in force
Nearby Flood Claims	6 (1979–2010)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Mar 2010, rainfall accumulation, Severe Storms And Flooding

Wildfire

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 554 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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