21 Lothrop St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 21 Lothrop St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,508 sqft · built 1954
Lot Size	0.157 acres (6,835 sqft)
Owner	2 Individual Names on Record
Last Sale	$557,000 (Sep 2019)
Tax Bill	$7,021 (2025)
Deeds & Mortgages	May 2021 Refinance Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:009-F B:0015 L:0010`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:009-F B:0015 L:0010`
Alternative APNs	`M:009=F B:0015 L:0010` `4669026`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,508 sqft Living Area
Gross Area	3,357 sqft
1st Floor Area	1,080 sqft
Basement Area	1,053 sqft
Unfinished Basement	642 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,835 sqft (0.157 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	4669026
Street Address	21 LOTHROP ST
City	SAUGUS
State	MA
Zip	01906-2211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	15
Legal Lot Number	10
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	3
Census Block	3032
Census Tract	208302

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	21 LOTHROP ST, SAUGUS, MA 01906-2211
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Sep 25, 2019	Quit Claim Deed, Transfer · Conventional Mortgage CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2019 · Amount on Record
Deed Sale	Sep 25, 2019 · Amount on Record
Deed Document Number	2019
Deed Book / Page	37873 / 351
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	21 LOTHROP ST, SAUGUS, MA 01906-2211
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00039846-8
Date	May 5, 2021
Book Page	39846/8
Instrument	20210505004430

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Sep 25, 2019
Property Address	21 LOTHROP ST, SAUGUS, MA 01906-2211
Document Number	37873-351
Book / Page	037873 / 000351
Instrument Date	Sep 17, 2019
Instrument	1909253180
Transaction Type	Transfer
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,539.92
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	21 LOTHROP ST SAUGUS MA 019062211, SAUGUS, MA 01906-2211

Mortgage

Document Number	37873-353
Date	Sep 25, 2019
Book Page	037873/000353
Instrument	1909253190

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2049

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	$7,021.00 (+2.62%)	$657,400 (+2.33%) Land $321,300 Building $336,100	$749,170
2024	$6,842.00 (+3.98%)	$642,400 (+9.92%) Land $312,600 Building $329,800
2023	$6,580.00	$584,400 Land $273,500 Building $310,900

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	2 in force

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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 501 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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