20 Joseph St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,828 sqft · built 1983
Lot Size	0.267 acres (11,635 sqft)
Owner	2 Company Names on File
Last Sale	$662,000 (Apr 2022)
Tax Bill	$6,878 (2025)
Deeds & Mortgages	Apr 2022 Sale Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:005-E B:0012 L:0008`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:005-E B:0012 L:0008`
Alternative APNs	`M:005=E B:0012 L:0008` `2456031`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,828 sqft Living Area
Gross Area	2,363 sqft
1st Floor Area	1,288 sqft
Basement Area	900 sqft
Unfinished Basement	360 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,635 sqft (0.267 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	2456031
Street Address	20 JOSEPH ST
City	SAUGUS
State	MA
Zip	01906-4334
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	12
Legal Lot Number	8
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2006
Census Tract	208101

Owner

Source: Essex County and Saugus Town records · APN SAUG M:005-E B:0012 L:0008

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	2 Company Names on File
Mailing Address	20 JOSEPH ST, SAUGUS, MA 01906-4334
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2022	Quit Claim Deed, Transfer
Nov 23, 2020	Quit Claim Deed, Transfer · Conventional with PMI SALEM FIVE MTG
Sep 01, 2017	Quit Claim Deed, Transfer · Conventional with PMI RESIDENTIAL MTG SVC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 20, 2022 · Amount on Record
Deed Sale	Apr 20, 2022 · Amount on Record
Prior Sale	Nov 23, 2020 · Amount on Record
Record Updated	Sep 20, 2026

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Apr 20, 2022
Property Address	20 JOSEPH ST, SAUGUS, MA 01906-4334
Document Number	0000635600
Instrument Date	Apr 20, 2022
Instrument	635600
Transaction Type	Transfer
Record Updated	May 06, 2022

Transaction

Amount	Amount Recorded
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
Address	20 JOSEPH ST, SAUGUS, MA 01906-4334

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Nov 23, 2020
Property Address	20 JOSEPH ST, SAUGUS, MA 01906-4334
Document Number	0000618944
Instrument Date	Nov 18, 2020
Instrument	618944
Transaction Type	Transfer
Record Updated	Dec 15, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,508.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 JOSEPH ST SAUGUS MA 01906, SAUGUS, MA 01906

Mortgage

Document Number	618945
Date	Nov 23, 2020
Instrument	618945

Lender

Name	SALEM FIVE MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 22, 2050

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Sep 01, 2017
Property Address	20 JOSEPH ST, SAUGUS, MA 01906-4334
Document Number	0000585910
Instrument Date	Sep 01, 2017
Instrument	585910
Transaction Type	Transfer
Record Updated	Sep 19, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,120.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 JOSEPH ST SAUGUS MA 019064334, SAUGUS, MA 01906-4334

Mortgage

Document Number	585911
Date	Sep 01, 2017
Instrument	585911

Lender

Name	RESIDENTIAL MTG SVC
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 31, 2047

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	$6,878.00 (+4.43%)	$644,000 (+4.14%) Land $320,700 Building $323,300	$803,035
2024	$6,586.00 (+3.18%)	$618,400 (+9.08%) Land $302,400 Building $316,000
2023	$6,383.00	$566,900 Land $265,700 Building $301,200

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 250092081012, 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
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1979–1984)
Most Recent Claim	Jun 1984, tidal / storm surge

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 623 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
AT&T	Fixed Wireless	100 / 20

May also be available at this address: Radiate Holdings, Netafy, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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