20 Milton St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,696 sqft · built 1910
Lot Size	0.057 acres (2,500 sqft)
Owner	Individual Name on File
Last Sale	$406,000 (Jul 2019)
Tax Bill	$5,605 (2025)
Deeds & Mortgages	Aug 2021 Refinance Jul 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`SAUG M:006-H B:0012 L:0008`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:006-H B:0012 L:0008`
Alternative APNs	`M:006=H B:0012 L:0008` `1009007`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	3 Stories
Building Area	1,696 sqft Living Area
Gross Area	1,988 sqft
1st Floor Area	700 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,500 sqft (0.057 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	1009007
Street Address	20 MILTON ST
City	SAUGUS
State	MA
Zip	01906-1748
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	12
Legal Lot Number	8
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1001
Census Tract	208102

Owner

Source: Essex County and Saugus Town assessment roll, as of April 14, 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 MILTON ST, SAUGUS, MA 01906-1748
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CALIBER HOME LOANS INC
Jul 9, 2019	Quit Claim Deed, Transfer · FHA Mortgage MSA LENDING LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 9, 2019 · Amount on Record
Deed Sale	Jul 9, 2019 · Amount on Record
Prior Sale	Jul 22, 2016 · Amount on Record
Deed Book / Page	37650 / 589
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	20 MILTON ST, SAUGUS, MA 01906-1748
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040158-421
Date	Aug 9, 2021
Book Page	40158/421
Instrument	20210809001470

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jul 9, 2019
Property Address	20 MILTON ST, SAUGUS, MA 01906-1748
Document Number	37650-589
Book / Page	37650 / 589
Instrument Date	Jul 8, 2019
Instrument	20190709001870
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
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 MILTON ST, SAUGUS, MA 01906-1748

Mortgage

Document Number	190709001880
Date	Jul 9, 2019
Instrument	190709001880

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

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	$5,605.00 (+6.48%)	$524,800 (+6.17%) Land $272,300 Building $252,500	$577,790
2024	$5,264.00 (+1.68%)	$494,300 (+7.5%) Land $247,500 Building $246,800
2023	$5,177.00	$459,800 Land $222,800 Building $237,000

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	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

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 USA, Verizon.

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