21 Pearson St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,186 sqft · built 1932
Lot Size	0.134 acres (5,828 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (May 2010)
Tax Bill	$5,500 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Jul 2020 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:008-F B:0002 L:0028`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:008-F B:0002 L:0028`
Alternative APNs	`M:008=F B:0002 L:0028` `10133033`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,186 sqft Living Area
Gross Area	2,304 sqft
1st Floor Area	624 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,828 sqft (0.134 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	10133033
Street Address	21 PEARSON ST
City	SAUGUS
State	MA
Zip	01906-2307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	2
Legal Lot Number	28
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1003
Census Tract	208200

Owner

Source: Essex County and Saugus Town assessment roll, as of April 14, 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 File
Mailing Address	21 PEARSON ST, SAUGUS, MA 01906-2307
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jul 1, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK
Oct 16, 2017	Deed of Trust, Mortgage MOUNTAINONE BK
Nov 10, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND
Mar 17, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 3, 2010 · Amount on Record
Deed Sale	May 3, 2010 · Amount on Record
Prior Sale	Oct 19, 1993 · Amount on Record
Deed Book / Page	29434 / 266
Transfer Doc	35741-510
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	21 PEARSON ST, SAUGUS, MA 01906-2307
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	043298-250
Date	Mar 27, 2026
Book Page	43298/250
Instrument	20260327003240

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	21 PEARSON ST, SAUGUS, MA 01906-2307
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38671-205
Date	Jul 1, 2020
Book Page	38671/205
Instrument	20200701001670

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	21 PEARSON ST, SAUGUS, MA 01906-2307
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36254-354
Date	Oct 16, 2017
Book Page	36254/354
Instrument	243

Lender

Name	MOUNTAINONE BK

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	21 PEARSON ST, SAUGUS, MA 01906-2307
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39166-283
Date	Nov 10, 2020
Book Page	39166/283
Instrument	20201110004930

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2045

Interest

Rate Type	Adjustable Rate

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Mar 17, 2017
Property Address	21 PEARSON ST, SAUGUS, MA 01906-2307
Document Number	35741-510
Book / Page	035741 / 000510
Instrument Date	Mar 3, 2017
Instrument	1703170405
Transaction Type	Transfer
Record Updated	Apr 4, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 PEARSON ST SAUGUS MA 019062307, SAUGUS, MA 01906-2307

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	$5,500.00 (+2.94%)	$515,000 (+2.65%) Land $317,600 Building $197,400	$596,885
2024	$5,343.00 (+3.93%)	$501,700 (+9.88%) Land $309,000 Building $192,700
2023	$5,141.00	$456,600 Land $270,400 Building $186,200

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1979–1988)
Most Recent Claim	Jan 1988 · rainfall accumulation

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 98% of the US · lower than 96% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

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