23 Curtis Rd, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 23 Curtis Rd, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,472 sqft · built 1940
Lot Size	0.138 acres (5,998 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Nov 2015)
Tax Bill	$6,284 (2025)
Deeds & Mortgages	Jan 2021 Refinance Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:005-G B:0001 L:0003`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:005-G B:0001 L:0003`
Alternative APN	`5145032`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,472 sqft Living Area
Gross Area	2,756 sqft
1st Floor Area	736 sqft
Basement Area	736 sqft
Unfinished Basement	736 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,998 sqft (0.138 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	5145032
Street Address	23 CURTIS RD
City	SAUGUS
State	MA
Zip	01906-3058
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Subdivision	BLDG 05
Legal Block	1
Legal Lot Number	3
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	3
Census Block	3001
Census Tract	208102

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	2 Individual Names on Record
Mailing Address	23 CURTIS RD, SAUGUS, MA 01906-3058
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Nov 8, 2019	Deed of Trust, Mortgage · Conventional with PMI CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2015 · Amount on Record
Deed Sale	Nov 25, 2015 · Amount on Record
Prior Sale	Jul 22, 1999 · Amount on Record
Deed Book / Page	34546 / 496
Transfer Doc	33495-344
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	23 CURTIS RD, SAUGUS, MA 01906-3058
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039406-454
Date	Jan 13, 2021
Book Page	39406/454
Instrument	20210113002370

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

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

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	23 CURTIS RD, SAUGUS, MA 01906-3058
Document Number	38026-180
Instrument Date	Nov 8, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 CURTIS RD SAUGUS MA 019063058, SAUGUS, MA 01906-3058

Mortgage

Document Number	38026-180
Date	Nov 14, 2019
Book Page	038026/000180
Instrument	1114003180

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 13, 2049

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	$6,284.00 (+2.76%)	$588,400 (+2.47%) Land $318,200 Building $270,200	$536,845
2024	$6,115.00 (+3.73%)	$574,200 (+9.68%) Land $309,600 Building $264,600
2023	$5,895.00	$523,500 Land $270,900 Building $252,600

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 Claims	2 (1978)
Most Recent Claim	Feb 1978 · Coastal Storms, Flood, Ice & Snow

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 95% of the US · lower than 90% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 199 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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