23 Henry St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,414 sqft · built 1930
Lot Size	0.327 acres (14,262 sqft)
Owner	2 Individual Names on File
Last Sale	$285,500 (Jun 2012)
Tax Bill	$6,126 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Apr 2018 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`SAUG M:005-H B:0008 L:0029`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:005-H B:0008 L:0029`
Alternative APNs	`M:005=H B:0008 L:0029` `7143013`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,414 sqft Living Area
Gross Area	2,926 sqft
1st Floor Area	744 sqft
Basement Area	744 sqft
Unfinished Basement	744 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,262 sqft (0.327 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	7143013
Street Address	23 HENRY ST
City	SAUGUS
State	MA
Zip	01906-1814
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	8
Legal Lot Number	29
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	4
Census Block	4001
Census Tract	208101

Owner

23 Henry St is owned and occupied by two individuals who bought it in June 2012.

Source: Essex County and Saugus Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	23 HENRY ST, SAUGUS, MA 01906-1814
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Deed of Trust, Mortgage · Line of Credit WEBSTER FIRST FEDERAL CREDIT UNION
Apr 5, 2018	Deed of Trust, Mortgage · Closed-End Mortgage STONEHAM COOPERATIVE BANK
Apr 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER FIVE CENTS SAVINGS BANK
Dec 7, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LUXURY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2012 · Amount on File
Deed Sale	Jun 18, 2012 · Amount on File
Prior Sale	Feb 16, 2012 · Amount on File
Deed Book / Page	31440 / 439
Transfer Doc	00031091-5
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Recording Date	Jul 14, 2026
Property Address	23 HENRY ST, SAUGUS, MA 01906-1814
Document Number	0000000490
Book / Page	43504 / 210
Instrument Date	Jul 9, 2026
Instrument	2026490
Transaction Type	Mortgage
Record Updated	Aug 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 HENRY ST, SAUGUS, MA 01906-1814

Mortgage

Document Number	0000000490,
Date	Jul 14, 2026
Book Page	43504/210
Instrument	2026490

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Aug 1, 2066

Interest

Rate	6.52%
Max Rate	-1%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	23 HENRY ST, SAUGUS, MA 01906-1814
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036628-269
Date	Apr 5, 2018
Book Page	36628/269
Instrument	180405001390

Lender

Name	STONEHAM COOPERATIVE BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2038

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	23 HENRY ST, SAUGUS, MA 01906-1814
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	038432-226
Date	Apr 17, 2020
Book Page	38432/226
Instrument	20200417004680

Lender

Name	WEBSTER FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	May 1, 2040

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	23 HENRY ST, SAUGUS, MA 01906-1814
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039263-77
Date	Dec 7, 2020
Book Page	39263/77
Instrument	20201207003010

Lender

Name	LUXURY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	253 Months
Due	Jan 1, 2042

Tax Assessment & Valuation

The 2026 property tax bill for 23 Henry St was $6,126, up 3.8% 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	$6,126.00 (+3.85%)	$587,900 (+6.45%) Land $362,900 Building $215,400	$647,435 (+3.27%)
2025	$5,899.00 (+4.65%)	$552,300 (+4.35%) Land $329,900 Building $222,400	$626,905
2024	$5,637.00 (+2.03%)	$529,300 (+7.87%) Land $311,100 Building $218,200
2023	$5,525.00	$490,700 Land $273,400 Building $217,300

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

Flood

FEMA maps place 23 Henry St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 103 individual policies
Nearby Flood Policies	109 units insured incl. 6 condo units
Nearby Flood Claims	35 (1979–2025)
Claims Outside the SFHA	8 of 35
Most Recent Claim	Jan 2025 · other causes
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 claims Severe Storms And Flooding, May 2006 · 4 claims Extreme Weather Conditons And Flooding, Oct 1996 · 6 claims

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 23 Henry 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 577 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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