21 McCullough Rd, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 21 McCullough Rd, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,351 sqft · built 2024
Lot Size	0.477 acres (20,782 sqft)
Owner	2 Individual Names on File
Last Sale	$1,321,250 (Jul 2025)
Tax Bill	$13,271 (2026)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Dec 2023 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:010-F B:0011 L:0003`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:010-F B:0011 L:0003`
Alternative APNs	`M:010=F B:0011 L:0003` `2755024`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,351 sqft Living Area
Gross Area	7,163 sqft
1st Floor Area	1,072 sqft
Basement Area	1,758 sqft
Unfinished Basement	1,758 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	20,782 sqft (0.477 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	2755024
Street Address	21 MCCULLOUGH RD
City	SAUGUS
State	MA
Zip	01906-2205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	11
Legal Lot Number	3
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2004
Census Tract	208302

Owner

21 McCullough Rd is owned and occupied by two individuals who bought it in July 2025.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	21 MCCULLOUGH RD, SAUGUS, MA 01906-2205
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2025	Quit Claim Deed, Transfer · Conventional Mortgage M & T BANK
Dec 18, 2023	Quit Claim Deed, Transfer
Dec 18, 2023	Correction Deed
Dec 15, 2022	Quit Claim Deed, Transfer Quitclaim
Dec 15, 2022	Correction Deed

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2025 · Amount on File
Deed Sale	Jul 28, 2025 · Amount on File
Prior Sale	Dec 18, 2023 · Amount on File
Deed Book / Page	42854 / 84
Prior Transfer Date	Dec 8, 2023
Prior Transfer Doc	041913-277
Record Updated	Oct 29, 2026

July 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jul 28, 2025
Property Address	21 MCCULLOUGH RD, SAUGUS, MA 01906-2205
Document Number	0042854-84
Book / Page	42854 / 84
Instrument Date	Jul 28, 2025
Instrument	20250728002920
Transaction Type	Transfer
Record Updated	Mar 13, 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
Relationship	Tenants by the Entirety
Address	21 MCCULLOUGH RD, SAUGUS, MA 01906-2205

Mortgage

Document Number	20250728002930
Date	Jul 28, 2025
Instrument	20250728002930

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Aug 1, 2032
Index	Other
Margin	3

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Dec 18, 2023
Property Address	21 MCCULLOUGH RD, SAUGUS, MA 01906-2205
Document Number	041913-277
Book / Page	41913 / 277
Instrument Date	Dec 8, 2023
Instrument	20231218001930
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount 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	14 FELTON CT, SAUGUS, MA 01906-4210

December 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	SAUGUS MA
Recording Date	Dec 18, 2023
Property Address	21 MCCULLOUGH RD, SAUGUS, MA 01906-2205
Document Number	041913-262
Book / Page	41913 / 262
Instrument Date	Dec 8, 2023
Instrument	20231218001910
Record Updated	Jan 26, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 CHARLES ST, SAUGUS, MA 01906-2226

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Dec 15, 2022
Property Address	21 MCCULLOUGH RD, SAUGUS, MA 01906-2205
Document Number	041352-122
Book / Page	41352 / 122
Instrument Date	Dec 15, 2022
Instrument	20221215000280
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 CHARLES ST, SAUGUS, MA 01906-2226

December 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	SAUGUS MA
Recording Date	Dec 15, 2022
Property Address	21 MCCULLOUGH RD, SAUGUS, MA 01906-2205
Document Number	041352-115
Book / Page	41352 / 115
Instrument Date	Dec 15, 2022
Instrument	20221215000270
Record Updated	Jan 26, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 CHARLES ST, SAUGUS, MA 01906-2226

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
2026	$13,271.00 (+68.44%)	$1,273,600 (+72.64%) Land $385,100 Building $868,800	$1,299,383 (+4.72%)
2025	$7,879.00 (+62.15%)	$737,700 (+61.71%) Land $351,800 Building $385,900	$1,240,795
2024	$4,859.00 (-3.15%)	$456,200 (+2.38%) Land $342,300 Building $113,900
2023	$5,017.00	$445,600 Land $299,600 Building $146,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 21 McCullough Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2010.

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
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	4 (2010–2024)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Jan 2024 · 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

Wildfire risk around 21 McCullough Rd is low, with a 0.01% annual chance of 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	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	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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