22 Howard St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 960 sqft · built 1962
Lot Size	0.176 acres (7,688 sqft)
Owner	Individual Name on Record
Last Sale	$229,900 (Nov 2000)
Tax Bill	$5,215 (2025)
Deeds & Mortgages	Jan 2021 Refinance Jan 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:010-B B:0010 L:0002`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:010-B B:0010 L:0002`
Alternative APNs	`M:010=B B:0010 L:0002` `4675034`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	2,260 sqft
1st Floor Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,688 sqft (0.176 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	4675034
Street Address	22 HOWARD ST
City	SAUGUS
State	MA
Zip	01906-4052
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	10
Legal Lot Number	2
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1018
Census Tract	208402

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	Individual Name on Record
Mailing Address	22 HOWARD ST, SAUGUS, MA 01906-4052
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance TOTAL MORTGAGE SERVICES LLC
Jan 8, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2000 · Amount on Record
Deed Sale	Nov 1, 2000 · Amount on Record
Prior Sale	Jan 21, 1988 · Amount on Record
Deed Book / Page	16658 / 330
Last Transfer Date	Jan 4, 2021
Transfer Doc	39389-37
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	22 HOWARD ST, SAUGUS, MA 01906-4052
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039389-40
Date	Jan 8, 2021
Book Page	39389/40
Instrument	20210108002190

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

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

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jan 8, 2021
Property Address	22 HOWARD ST, SAUGUS, MA 01906-4052
Document Number	0039389-37
Book / Page	39389 / 37
Instrument Date	Jan 4, 2021
Instrument	20210108002180
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 HOWARD ST, SAUGUS, MA 01906-4052

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	$5,215.00 (+6.95%)	$488,300 (+6.66%) Land $289,400 Building $198,900	$657,020
2024	$4,876.00 (+2.31%)	$457,800 (+8.15%) Land $263,100 Building $194,700
2023	$4,766.00	$423,300 Land $236,800 Building $186,500

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

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

May also be available: Verizon.

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