23 Pearl Rd, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,658 sqft · built 1963
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Individual Names on File
Last Sale	$530,000 (Jan 2020)
Tax Bill	$6,983 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Jan 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:012-E B:0006 L:0005`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:012-E B:0006 L:0005`
Alternative APNs	`M:012=E B:0006 L:0005` `7524035`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,658 sqft Living Area
Gross Area	2,576 sqft
1st Floor Area	1,228 sqft
Basement Area	1,228 sqft
Unfinished Basement	798 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,001 sqft (0.23 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	7524035
Street Address	23 PEARL RD
City	SAUGUS
State	MA
Zip	01906-1260
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	6
Legal Lot Number	5
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2005
Census Tract	208301

Owner

23 Pearl Rd is owned and occupied by two individuals who bought it in January 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	23 PEARL RD, SAUGUS, MA 01906-1260
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 8, 2026	Deed of Trust, Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN
Jan 17, 2020	Quit Claim Deed, Transfer · FHA Mortgage NEW FED MORTGAGE CORP
Oct 8, 2019	Deed of Trust, Mortgage · Conventional with PMI LENDINGONE
Jul 30, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 16, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2020 · Amount on File
Deed Sale	Jan 17, 2020 · Amount on File
Prior Sale	Jul 30, 2019 · Amount on File
Deed Book / Page	38200 / 194
Prior Transfer Date	Jan 8, 2020
Prior Transfer Doc	38200-194
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Recording Date	Jul 8, 2026
Property Address	23 PEARL RD, SAUGUS, MA 01906-1260
Document Number	0000000390
Book / Page	43493 / 68
Instrument Date	May 5, 2026
Instrument	2026390
Transaction Type	Mortgage
Record Updated	Jul 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 PEARL RD, SAUGUS, MA 01906-1260

Mortgage

Document Number	0000000390,
Date	Jul 8, 2026
Book Page	43493/68
Instrument	2026390

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPMEN

Agreement

Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2051

Interest

Rate	6.37%
Max Rate	-1%

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jan 17, 2020
Property Address	23 PEARL RD, SAUGUS, MA 01906-1260
Document Number	38200-194
Book / Page	38200 / 194
Instrument Date	Jan 8, 2020
Instrument	20200117003090
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 PEARL RD, SAUGUS, MA 01906-1260

Mortgage

Document Number	200117003100
Date	Jan 17, 2020
Instrument	200117003100

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	FHA Mortgage
Amount	Amount on Record

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	23 PEARL RD, SAUGUS, MA 01906-1260
Document Number	37917-89
Instrument Date	Oct 8, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	20C DEL CARMINE ST #101 WAKEFIELD MA 018803487, 101, WAKEFIELD, MA 01880-3487

Mortgage

Document Number	37917-89
Date	Oct 8, 2019
Book Page	037917/000089
Instrument	1008004870

Lender

Name	LENDINGONE

Agreement

Type	Conventional with PMI
Amount	Amount on Record

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jul 30, 2019
Property Address	23 PEARL RD, SAUGUS, MA 01906-1260
Document Number	37708-33
Book / Page	037708 / 000033
Instrument Date	Jul 17, 2019
Instrument	1907302520
Transaction Type	Transfer
Record Updated	Aug 13, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$1,504.80
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	20C DEL CARMINE ST #101 WAKEFIELD MA 018803487, 101, WAKEFIELD, MA 01880-3487

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Aug 16, 2018
Property Address	23 PEARL RD, SAUGUS, MA 01906-1260
Document Number	36942-212
Book / Page	036942 / 000212
Instrument Date	Aug 9, 2018
Instrument	1808161990
Transaction Type	Transfer
Record Updated	Sep 4, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	23 PEARL RD SAUGUS MA 019061260, SAUGUS, MA 01906-1260

Tax Assessment & Valuation

The 2026 property tax bill for 23 Pearl Rd was $6,983, up 4.9% 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	$6,983.00 (+4.91%)	$670,200 (+7.54%) Land $391,500 Building $277,900	$753,290 (+13.57%)
2025	$6,656.00 (+3.42%)	$623,200 (+3.13%) Land $355,500 Building $267,700	$663,290
2024	$6,436.00 (+1.85%)	$604,300 (+7.68%) Land $342,000 Building $262,300
2023	$6,319.00	$561,200 Land $310,500 Building $250,700

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

Flood

FEMA maps place 23 Pearl Rd in Zone X, an area of minimal flood risk.

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 Policies	1 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

Wildfire risk around 23 Pearl Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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 121 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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