20 Park St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,596 sqft · built 1900
Lot Size	0.197 acres (8,599 sqft)
Owner	2 Individual Names on Record
Last Sale	$480,000 (Jul 2020)
Tax Bill	$6,230 (2025)
Deeds & Mortgages	Nov 2021 Refinance May 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:003-E B:0002 L:0006`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:003-E B:0002 L:0006`
Alternative APNs	`M:003=E B:0002 L:0006` `430024`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	1,596 sqft Living Area
Gross Area	2,536 sqft
1st Floor Area	518 sqft
Basement Area	504 sqft
Unfinished Basement	504 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,599 sqft (0.197 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	430024
Street Address	20 PARK ST
City	SAUGUS
State	MA
Zip	01906-3820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	2
Legal Lot Number	6
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2006
Census Tract	208102

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	20 PARK ST, SAUGUS, MA 01906-3820
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC
May 4, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Jul 17, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ARC HOME LLC
Jan 16, 2018	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2020 · Amount on Record
Deed Sale	Jul 17, 2020 · Amount on Record
Prior Sale	Oct 30, 2009 · Amount on Record
Deed Book / Page	38723 / 322
Transfer Doc	2903000552
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	20 PARK ST, SAUGUS, MA 01906-3820
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00040513-7
Date	Nov 23, 2021
Book Page	40513/7
Instrument	20211123002220

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	20 PARK ST, SAUGUS, MA 01906-3820
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38482-264
Date	May 4, 2020
Book Page	38482/264
Instrument	20200504004570

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jul 17, 2020
Property Address	20 PARK ST, SAUGUS, MA 01906-3820
Document Number	38723-322
Book / Page	38723 / 322
Instrument Date	Jul 8, 2020
Instrument	20200717003340
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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

Mortgage

Document Number	200717003350
Date	Jul 17, 2020
Instrument	200717003350

Lender

Name	ARC HOME LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	20 PARK ST, SAUGUS, MA 01906-3820
Document Number	36485-315
Book / Page	036485 / 000315
Instrument Date	Jan 16, 2018
Transaction Type	Mortgage
Record Updated	Feb 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	36485-315
Date	Jan 23, 2018
Book Page	036485/000315
Instrument	1801231290

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jan 22, 2033

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	$6,230.00 (+4.37%)	$583,300 (+4.07%) Land $310,100 Building $273,200	$616,645
2024	$5,969.00 (+2.47%)	$560,500 (+8.35%) Land $292,400 Building $268,100
2023	$5,825.00	$517,300 Land $256,900 Building $260,400

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	6 (1978–2023)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Aug 2023 · other causes
Claims by Event	Severe Storms And Flooding, May 2006 · 2 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 97% of the US · lower than 94% 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	REVERE WATER DIVISION (MWRA) serves 62,186 people · EPA ID MA3248000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jun 2025
Also Mapped Here	SAUGUS WATER DEPT. (MWRA)
Lead	8 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	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Netafy Fixed Wireless	476 / 106
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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