23 Gilway St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,708 sqft · built 1958
Lot Size	0.302 acres (13,151 sqft)
Owner	Individual Name on Record
Last Sale	$450,000 (May 2002)
Tax Bill	$8,123 (2026)
Deeds & Mortgages	May 2021 Refinance Feb 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:011-C B:0002 L:0002`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:011-C B:0002 L:0002`
Alternative APNs	`M:011=C B:0002 L:0002` `10118029`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,708 sqft Living Area
Gross Area	3,807 sqft
1st Floor Area	1,833 sqft
Basement Area	1,651 sqft
Unfinished Basement	776 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,151 sqft (0.302 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	10118029
Street Address	23 GILWAY ST
City	SAUGUS
State	MA
Zip	01906-3223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	2
Legal Lot Number	2
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1010
Census Tract	208401

Owner

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 Record
Mailing Address	23 GILWAY ST, SAUGUS, MA 01906-3223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Feb 9, 2018	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2002 · Amount on Record
Deed Sale	May 30, 2002 · Amount on Record
Deed Book / Page	18761 / 109
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	23 GILWAY ST, SAUGUS, MA 01906-3223
Transaction Type	Mortgage
Record Updated	May 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39848-434
Date	May 6, 2021
Book Page	39848/434
Instrument	20210506002930

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2031

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	23 GILWAY ST, SAUGUS, MA 01906-3223
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36523-544
Date	Feb 9, 2018
Book Page	36523/544
Instrument	180209001970

Lender

Name	NORTH SHORE BANK
Type	Bank

Agreement

Type	Line of Credit
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	$8,123.00 (+4.29%)	$779,600 (+6.9%) Land $405,200 Building $370,000	$847,331 (-7.85%)
2025	$7,789.00 (+3.17%)	$729,300 (+2.88%) Land $367,900 Building $361,400	$919,505
2024	$7,550.00 (+0.92%)	$708,900 (+6.7%) Land $354,000 Building $354,900
2023	$7,481.00	$664,400 Land $321,400 Building $343,000

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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 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 308 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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