21 School St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 921 sqft · built 1955
Lot Size	0.272 acres (11,870 sqft)
Owner	2 Individual Names on Record
Last Sale	$535,000 (Nov 2023)
Tax Bill	$6,060 (2026)
Deeds & Mortgages	Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:006-E B:0016 L:0028`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:006-E B:0016 L:0028`
Alternative APNs	`M:006=E B:0016 L:0028` `9676018`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	921 sqft Living Area
Gross Area	2,131 sqft
1st Floor Area	921 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,870 sqft (0.272 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	9676018
Street Address	21 SCHOOL ST
City	SAUGUS
State	MA
Zip	01906-3719
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Subdivision	B & H CONRAD REALTY TRUST
Legal Block	16
Legal Lot Number	28
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2001
Census Tract	208101

Owner

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	2 Individual Names on Record
Mailing Address	21 SCHOOL ST, SAUGUS, MA 01906-3719
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2023 · Amount on Record
Deed Sale	Nov 29, 2023 · Amount on Record
Prior Sale	Apr 28, 2006 · Amount on Record
Deed Document Number	2023390
Prior Transfer Date	Nov 28, 2023
Prior Transfer Doc	00041879-5
Record Updated	Oct 29, 2026

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Nov 29, 2023
Property Address	21 SCHOOL ST, SAUGUS, MA 01906-3719
Document Number	00041879-5
Book / Page	41879 / 5
Instrument Date	Nov 28, 2023
Instrument	20231129000390
Transaction Type	Transfer
Record Updated	Dec 15, 2023

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
Relationship	Tenants by the Entirety
Address	21 SCHOOL ST, SAUGUS, MA 01906-3719

Mortgage

Document Number	231129000400
Date	Nov 29, 2023
Instrument	231129000400

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$6,060.00 (+8.18%)	$581,600 (+10.89%) Land $372,100 Building $209,500	$594,426 (+5.69%)
2025	$5,602.00 (+0.47%)	$524,500 (+0.17%) Land $339,900 Building $184,600	$562,400
2024	$5,576.00 (+4.19%)	$523,600 (+10.16%) Land $330,700 Building $192,900
2023	$5,352.00	$475,300 Land $289,400 Building $185,900

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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1979–1984)
Most Recent Claim	Jun 1984 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 554 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20