22 Grove St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 22 Grove St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,932 sqft · built 1940
Lot Size	0.182 acres (7,932 sqft)
Owner	Individual Name on File
Last Sale	$460,000 (Aug 2019)
Tax Bill	$6,428 (2026)
Deeds & Mortgages	Jan 2021 Refinance Sep 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:005-E B:0011 L:0001`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:005-E B:0011 L:0001`
Alternative APNs	`M:005=E B:0011 L:0001` `4608004`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,932 sqft Living Area
Gross Area	2,736 sqft
1st Floor Area	792 sqft
Basement Area	792 sqft
Unfinished Basement	246 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,932 sqft (0.182 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Electric

Location & Zoning

Account Number	4608004
Street Address	22 GROVE ST
City	SAUGUS
State	MA
Zip	01906-4358
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	11
Legal Lot Number	1
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2006
Census Tract	208101

Owner

22 Grove St is owned and occupied by an individual who acquired it in January 2021.

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	Individual Name on File
Mailing Address	22 GROVE ST, SAUGUS, MA 01906-4358
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MSA LENDING LLC
Sep 1, 2017	Deed of Trust, Mortgage MB FINANCIAL BK NA
Jan 22, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance MSA LENDING LLC
Aug 23, 2019	Quit Claim Deed, Transfer · Conventional Mortgage MSA MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2019 · Amount on File
Deed Sale	Aug 23, 2019 · Amount on File
Prior Sale	Jun 25, 2014 · Amount on File
Deed Document Number	2019604840
Last Transfer Date	Jan 15, 2021
Transfer Doc	039443-234
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	22 GROVE ST, SAUGUS, MA 01906-4358
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039443-239
Date	Jan 22, 2021
Book Page	39443/239
Instrument	20210122005320

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2041

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	22 GROVE ST, SAUGUS, MA 01906-4358
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036152-280
Date	Sep 1, 2017
Book Page	36152/280
Instrument	479

Lender

Name	MB FINANCIAL BK NA

Agreement

Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2037

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jan 22, 2021
Property Address	22 GROVE ST, SAUGUS, MA 01906-4358
Document Number	039443-234
Book / Page	39443 / 234
Instrument Date	Jan 15, 2021
Instrument	20210122005310
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	22 GROVE ST, SAUGUS, MA 01906-4358

Mortgage

Document Number	039443-239
Date	Jan 22, 2021
Book Page	39443/239
Instrument	20210122005320

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2041

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Aug 23, 2019
Property Address	22 GROVE ST, SAUGUS, MA 01906-4358
Document Number	0000604840
Instrument Date	Aug 6, 2019
Instrument	604840
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,097.60
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 GROVE ST SAUGUS MA 019064358, SAUGUS, MA 01906-4358

Mortgage

Document Number	604841
Date	Aug 23, 2019
Instrument	604841

Lender

Name	MSA MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 22, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 22 Grove St was $6,428, up 2.8% from the year before.

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	$6,428.00 (+2.83%)	$616,900 (+5.4%) Land $338,500 Building $277,300	$639,886 (+1.47%)
2025	$6,251.00 (+4.31%)	$585,300 (+4.02%) Land $307,800 Building $277,500	$630,610
2024	$5,993.00 (+3.06%)	$562,700 (+8.97%) Land $290,200 Building $272,500
2023	$5,815.00	$516,400 Land $255,000 Building $261,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 22 Grove St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

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	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

The area around 22 Grove St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband, Netafy.

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