23 Birch St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 23 Birch St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,852 sqft · built 1910
Lot Size	0.115 acres (5,001 sqft)
Owner	Individual Name on Record
Last Sale	$527,500 (Jun 2019)
Tax Bill	$6,682 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Aug 2025 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:005-F B:0014 L:0001`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:005-F B:0014 L:0001`
Alternative APNs	`M:005=F B:0014 L:0001` `2600026`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,852 sqft Living Area
Gross Area	3,893 sqft
1st Floor Area	926 sqft
Basement Area	926 sqft
Unfinished Basement	926 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,001 sqft (0.115 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2600026
Street Address	23 BIRCH ST
City	SAUGUS
State	MA
Zip	01906-3738
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Subdivision	BUILDNG 176
Legal Block	14
Legal Lot Number	1
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1009
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	Individual Name on Record
Mailing Address	23 BIRCH ST, SAUGUS, MA 01906-3738
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 19, 2025	Deed of Trust, Mortgage · FHA Mortgage MUTUAL OF OMAHA MORTGAGE
Dec 10, 2024	Deed of Trust, Mortgage · FHA Mortgage MUTUAL OF OMAHA MORTGAGE
Feb 20, 2020	Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Dec 14, 2020	Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Jun 12, 2019	Quit Claim Deed, Transfer · FHA Mortgage GUARANTEED RATE
Jul 20, 2018	Deed of Trust, Mortgage · Line of Credit METRO CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2019 · Amount on Record
Deed Sale	Jun 12, 2019 · Amount on Record
Prior Sale	Dec 27, 2013 · Amount on Record
Deed Book / Page	37578 / 550
Prior Transfer Date	Jun 11, 2019
Prior Transfer Doc	037578-550
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	23 BIRCH ST, SAUGUS, MA 01906-3738
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040259-195
Date	Sep 9, 2021
Book Page	40259/195
Instrument	20210909001240

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Oct 1, 2050

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	23 BIRCH ST, SAUGUS, MA 01906-3738
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042897-356
Date	Aug 19, 2025
Book Page	42897/356
Instrument	20250819003200

Lender

Name	MUTUAL OF OMAHA MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Sep 1, 2031
Index	1-Year CMT
Margin	2

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	23 BIRCH ST, SAUGUS, MA 01906-3738
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042477-16
Date	Dec 10, 2024
Book Page	42477/16
Instrument	20241210002320

Lender

Name	MUTUAL OF OMAHA MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2056

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	23 BIRCH ST, SAUGUS, MA 01906-3738
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38277-133
Date	Feb 20, 2020
Book Page	38277/133
Instrument	20200220003470

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	23 BIRCH ST, SAUGUS, MA 01906-3738
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39289-83
Date	Dec 14, 2020
Book Page	39289/83
Instrument	20201214002090

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jun 12, 2019
Property Address	23 BIRCH ST, SAUGUS, MA 01906-3738
Document Number	37578-550
Book / Page	037578 / 000550
Instrument Date	Jun 11, 2019
Instrument	19061260
Transaction Type	Transfer
Record Updated	Jul 2, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,405.40
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 BIRCH ST SAUGUS MA 019063738, SAUGUS, MA 01906-3738

Mortgage

Document Number	37578-552
Date	Jun 12, 2019
Book Page	037578/000552
Instrument	19061270

Lender

Name	GUARANTEED RATE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2049

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	23 BIRCH ST, SAUGUS, MA 01906-3738
Document Number	36886-321
Instrument Date	Jul 20, 2018
Transaction Type	Mortgage
Record Updated	Aug 14, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	23 BIRCH ST SAUGUS MA 019063738, SAUGUS, MA 01906-3738

Mortgage

Document Number	36886-321
Date	Jul 25, 2018
Book Page	036886/000321
Instrument	1807252210

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 24, 2043

Interest

Rate Type	Adjustable Rate

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	$6,682.00 (+2.78%)	$641,300 (+5.36%) Land $327,300 Building $313,900	$753,532 (+10.83%)
2025	$6,501.00 (+4.33%)	$608,700 (+4.03%) Land $297,500 Building $311,200	$679,915
2024	$6,231.00 (+2.13%)	$585,100 (+7.99%) Land $280,500 Building $304,600
2023	$6,101.00	$541,800 Land $246,500 Building $295,300

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 Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 1998 · Heavy Rains And Flooding

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, T-Mobile, Verizon.

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