20 Howard St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,206 sqft · built 1930
Lot Size	0.502 acres (21,863 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Jul 2018)
Tax Bill	$5,932 (2026)
Deeds & Mortgages	Apr 2020 Refinance Jul 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:010-B B:0010 L:0001`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:010-B B:0010 L:0001`
Alternative APNs	`M:010=B B:0010 L:0001` `8526032`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,206 sqft Living Area
Gross Area	2,580 sqft
1st Floor Area	1,206 sqft
Basement Area	1,206 sqft
Unfinished Basement	1,206 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	21,863 sqft (0.502 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8526032
Street Address	20 HOWARD ST
City	SAUGUS
State	MA
Zip	01906-4052
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	10
Legal Lot Number	1
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1018
Census Tract	208402

Owner

20 Howard St is owned and occupied by two individuals who bought it in July 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 HOWARD ST, SAUGUS, MA 01906-4052
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

Date	Document
Apr 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance AMERICAN NATIONWIDE MORTGAGE CO INC
Jul 25, 2018	Quit Claim Deed, Transfer Quitclaim
Jul 25, 2018	Quit Claim Deed, Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2018 · Amount on File
Deed Sale	Jul 25, 2018 · Amount on File
Prior Sale	Apr 4, 2016 · Amount on File
Deed Book / Page	36886 / 528
Transfer Doc	36886-574
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	20 HOWARD ST, SAUGUS, MA 01906-4052
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	038461-435
Date	Apr 28, 2020
Book Page	38461/435
Instrument	20200428004410

Lender

Name	AMERICAN NATIONWIDE MORTGAGE CO INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	May 1, 2035

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jul 25, 2018
Property Address	20 HOWARD ST, SAUGUS, MA 01906-4052
Document Number	36886-574
Book / Page	036886 / 000574
Instrument Date	Jul 25, 2018
Instrument	1807252810
Transaction Type	Transfer
Record Updated	Aug 14, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 HOWARD ST SAUGUS MA 019064052, SAUGUS, MA 01906-4052

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jul 25, 2018
Property Address	20 HOWARD ST, SAUGUS, MA 01906-4052
Document Number	36886-528
Book / Page	036886 / 000528
Instrument Date	Jul 24, 2018
Instrument	1807252710
Transaction Type	Transfer
Record Updated	Aug 14, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,596.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 HOWARD ST SAUGUS MA 019064052, SAUGUS, MA 01906-4052

Mortgage

Document Number	36886-531
Date	Jul 25, 2018
Book Page	036886/000531
Instrument	1807252720

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 24, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 20 Howard St was $5,932, up 5.4% 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	$5,932.00 (+5.44%)	$569,300 (+8.07%) Land $371,800 Building $197,500	$612,575 (-3.25%)
2025	$5,626.00 (+7.06%)	$526,800 (+6.77%) Land $336,200 Building $190,600	$633,175
2024	$5,255.00 (+2.16%)	$493,400 (+8.01%) Land $305,600 Building $187,800
2023	$5,144.00	$456,800 Land $275,000 Building $181,800

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

Flood

FEMA maps place 20 Howard 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
Nearby Flood Policies	2 in force

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 Howard 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 99.1% of the US · lower than 98.7% 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 170 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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