Essex County and Saugus Town property record for 23 Orchard Ave, Saugus, MA 01906
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,184 sqft · built 1968 |
| Lot Size | 0.292 acres (12,706 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $770,000 (Mar 2026) |
| Tax Bill | $6,877 (2026) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage Jun 2021 Refinance + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SAUG M:008-D B:0009 L:0011 |
| Primary APN | SAUG M:008-D B:0009 L:0011 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,184 sqft Living Area |
| Gross Area | 2,444 sqft |
| 1st Floor Area | 1,128 sqft |
| Basement Area | 1,056 sqft |
| Finished Basement | 1,056 sqft |
| Unfinished Basement | 1,056 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,706 sqft (0.292 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 8590000 |
|---|---|
| Street Address | 23 ORCHARD AVE |
| City | SAUGUS |
| State | MA |
| Zip | 01906-3266 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NA |
| Legal Block | 9 |
| Legal Lot Number | 11 |
| Jurisdiction | SAUGUS MA |
| Township / Civil Division | SAUGUS |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 208200 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 23 ORCHARD AVE, SAUGUS, MA 01906-3266 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Mar 4, 2026 | Quit Claim Deed, Transfer CARDINAL FINANCIAL COMPANY LP |
| Jun 15, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance AMERICAN FINANCIAL NETWORK |
| Dec 21, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Mar 21, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance METROPOLITAN BOSTON |
| Mar 18, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance METROPOLITAN BOSTON |
| Jan 24, 2020 | Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 4, 2026 · Amount on Record |
| Deed Sale | Mar 4, 2026 · Amount on Record |
| Prior Sale | May 29, 1998 · Amount on Record |
| Deed Book / Page | 43255 / 490 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAUGUS MA |
| Recording Date | Mar 4, 2026 |
| Property Address | 23 ORCHARD AVE, SAUGUS, MA 01906-3266 |
| Document Number | 043255-490 |
| Book / Page | 43255 / 490 |
| Instrument Date | Mar 4, 2026 |
| Instrument | 20260304002870 |
| Transaction Type | Transfer |
| Record Updated | Mar 25, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 23 ORCHARD AVE, SAUGUS, MA 01906-3266 |
| Document Number | 043255-493 |
|---|---|
| Date | Mar 4, 2026 |
| Book Page | 43255/493 |
| Instrument | 20260304002880 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 23 ORCHARD AVE, SAUGUS, MA 01906-3266 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 039982-489 |
|---|---|
| Date | Jun 15, 2021 |
| Book Page | 39982/489 |
| Instrument | 20210615006480 |
| Name | AMERICAN FINANCIAL NETWORK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAUGUS MA |
| Recording Date | Dec 21, 2021 |
| Property Address | 23 ORCHARD AVE, SAUGUS, MA 01906-3266 |
| Document Number | 040595-374 |
| Book / Page | 40595 / 374 |
| Instrument Date | Dec 16, 2021 |
| Instrument | 20211221002340 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 9 MARCH ST, SALEM, MA 01970-2615 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 23 ORCHARD AVE, SAUGUS, MA 01906-3266 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 37393-595 |
|---|---|
| Date | Mar 21, 2019 |
| Book Page | 37393/595 |
| Instrument | 20190321001520 |
| Name | METROPOLITAN BOSTON |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 23 ORCHARD AVE, SAUGUS, MA 01906-3266 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 37386-258 |
|---|---|
| Date | Mar 18, 2019 |
| Book Page | 37386/258 |
| Instrument | 20190318000080 |
| Name | METROPOLITAN BOSTON |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 23 ORCHARD AVE, SAUGUS, MA 01906-3266 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38212-278 |
|---|---|
| Date | Jan 24, 2020 |
| Book Page | 38212/278 |
| Instrument | 20200124000460 |
| Name | FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2050 |
Source: Essex County and Saugus Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Saugus Town |
| Unified School District | Saugus School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,877.00 (+4.4%) | $660,000 (+7%) Land $356,700 Building $302,900 | $706,392 (-4.41%) |
| 2025 | $6,587.00 (+2.99%) | $616,800 (+2.7%) Land $325,900 Building $290,900 | $739,005 |
| 2024 | $6,396.00 (+4.75%) | $600,600 (+10.75%) Land $317,100 Building $283,500 | |
| 2023 | $6,106.00 | $542,300 Land $277,400 Building $264,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 9 (1991–2008) |
| Claims Outside the SFHA | 2 of 9 |
| Most Recent Claim | Dec 2008 · Severe Winter Storm And Flooding |
| Claims by Event |
|
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 429 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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