20 Oak Hill Rd, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 20 Oak Hill Rd, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,760 sqft · built 1913
Lot Size	0.111 acres (4,822 sqft)
Owner	Individual Name on File
Last Sale	$770,100 (Jun 2026)
Tax Bill	$7,181 (2026)
Deeds & Mortgages	Nov 2025 Line of Credit Jun 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:005-F B:0006 L:0012`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:005-F B:0006 L:0012`
Alternative APNs	`M:005=F B:0006 L:0012` `3085006`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,760 sqft Living Area
Gross Area	3,167 sqft
1st Floor Area	785 sqft
Basement Area	785 sqft
Unfinished Basement	785 sqft

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	4,822 sqft (0.111 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	3085006
Street Address	20 OAK HILL RD
City	SAUGUS
State	MA
Zip	01906-3763
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	6
Legal Lot Number	12
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2023
Census Tract	208101

Owner

20 Oak Hill Rd is owned and occupied by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	20 OAK HILL RD, SAUGUS, MA 01906-3763
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Nov 4, 2025	Deed of Trust, Mortgage · Line of Credit CROSSCOUNTRY MORTGAGE INC
Jun 2, 2026	Quit Claim Deed, Transfer · Conventional Mortgage
Feb 13, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
Feb 19, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
May 19, 2017	Deed, Transfer · FHA Mortgage SALEM FIVE MTG CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2026 · Amount on File
Deed Sale	Jun 2, 2026 · Amount on File
Prior Sale	Feb 19, 2020 · Amount on File
Deed Document Number	20262680
Deed Book / Page	43421 / 544
Prior Transfer Date	Feb 9, 2020
Prior Transfer Doc	38274-33
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	20 OAK HILL RD, SAUGUS, MA 01906-3763
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	043047-464
Date	Nov 4, 2025
Book Page	43047/464
Instrument	20251104000490

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jun 2, 2026
Property Address	20 OAK HILL RD, SAUGUS, MA 01906-3763
Document Number	043421-544
Book / Page	43421 / 544
Instrument Date	May 18, 2026
Instrument	20262680
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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 OAK HILL RD, SAUGUS, MA 01906-3763

Mortgage

Date	Jun 2, 2026

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.3%
Max Rate	-1%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	20 OAK HILL RD, SAUGUS, MA 01906-3763
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37326-580
Date	Feb 13, 2019
Book Page	37326/580
Instrument	20190213001790

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2039

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Feb 19, 2020
Property Address	20 OAK HILL RD, SAUGUS, MA 01906-3763
Document Number	38274-33
Book / Page	038274 / 000033
Instrument Date	Feb 9, 2020
Instrument	19004840
Transaction Type	Transfer
Record Updated	Mar 10, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$2,690.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35A MEMORIAL RD SOMERVILLE MA 021451706, SOMERVILLE, MA 02145-1706

May 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	SAUGUS MA
Recording Date	May 19, 2017
Property Address	20 OAK HILL RD, SAUGUS, MA 01906-3763
Document Number	35880-307
Book / Page	35880 / 307
Instrument	387
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$36.57
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 OAK HILL RD, SAUGUS, MA 01906-3763

Mortgage

Document Number	358800309
Date	May 19, 2017
Instrument	35880/0309

Lender

Name	SALEM FIVE MTG CO

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 19, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 20 Oak Hill Rd was $7,181, up 2.5% 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	$7,181.00 (+2.47%)	$689,200 (+5.03%) Land $326,600 Building $361,300	$716,407 (-10.76%)
2025	$7,008.00 (+3.73%)	$656,200 (+3.44%) Land $296,900 Building $359,300	$802,750
2024	$6,756.00 (+1.29%)	$634,400 (+7.09%) Land $279,900 Building $354,500
2023	$6,670.00	$592,400 Land $246,000 Building $346,400

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

Flood

FEMA maps place 20 Oak Hill Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1979–1984)
Most Recent Claim	Jun 1984 · tidal / storm surge

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

The area around 20 Oak Hill Rd has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 623 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband, Netafy.

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