Essex County and Saugus Town property record for 20 Richardson Cir, Saugus, MA 01906
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,120 sqft · built 1970 |
| Lot Size | 0.551 acres (24,006 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $432,000 (Aug 2013) |
| Tax Bill | $7,506 (2026) |
| Deeds & Mortgages | Jun 2022 Mortgage Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | SAUG M:017-C B:0001 L:0028 |
| Primary APN | SAUG M:017-C B:0001 L:0028 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,120 sqft Living Area |
| Gross Area | 3,168 sqft |
| 1st Floor Area | 1,280 sqft |
| Basement Area | 1,368 sqft |
| Unfinished Basement | 528 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Split Foyer |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 24,006 sqft (0.551 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 3211009 |
|---|---|
| Street Address | 20 RICHARDSON CIR |
| City | SAUGUS |
| State | MA |
| Zip | 01906-1927 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NA |
| Legal Block | 1 |
| Legal Lot Number | 28 |
| Jurisdiction | SAUGUS MA |
| Township / Civil Division | SAUGUS |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 208401 |
Source: Essex County and Saugus Town records, as of October 20, 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 Record |
|---|---|
| Mailing Address | 20 RICHARDSON CIR, SAUGUS, MA 01906-1927 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 29, 2022 | Deed of Trust, Mortgage · ARM CAPE ANN SAVINGS BANK |
| Oct 23, 2017 | Deed of Trust, Mortgage · ARM BEVERLY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 29, 2013 · Amount on Record |
| Deed Sale | Aug 29, 2013 · Amount on Record |
| Deed Book / Page | 32781 / 13 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 20 RICHARDSON CIR, SAUGUS, MA 01906-1927 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00041033-3 |
|---|---|
| Date | Jun 29, 2022 |
| Book Page | 41033/3 |
| Instrument | 20220629000450 |
| Name | CAPE ANN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.13% |
| Type Change Date | Jul 1, 2029 |
| Index | Other |
| Margin | 3 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 20 RICHARDSON CIR, SAUGUS, MA 01906-1927 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2021 |
| Name | Verified Name |
|---|
| Document Number | 36270-365 |
|---|---|
| Date | Oct 23, 2017 |
| Book Page | 36270/365 |
| Instrument | 171023000760 |
| Name | BEVERLY BANK |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
Source: Essex County and Saugus Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Saugus Town |
| Unified School District | Saugus School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,506.00 (-0.65%) | $720,300 (+1.82%) Land $386,600 Building $333,500 | $781,576 (-1.71%) |
| 2025 | $7,555.00 (+4.19%) | $707,400 (+3.91%) Land $386,600 Building $320,800 | $795,150 |
| 2024 | $7,251.00 (+1.41%) | $680,800 (+7.21%) Land $366,500 Building $314,300 | |
| 2023 | $7,150.00 | $635,000 Land $335,500 Building $299,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 7 in force |
| Nearby Flood Claims | 1 (2006) |
| Most Recent Claim | May 2006 · Severe Storms And Flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 63 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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