23 Stone St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,890 sqft · built 1940
Lot Size	0.207 acres (8,999 sqft)
Owner	2 Individual Names on File
Last Sale	$369,900 (Apr 2014)
Tax Bill	$6,595 (2026)
Deeds & Mortgages	Apr 2021 Refinance Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:005-F B:0014 L:0013`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:005-F B:0014 L:0013`
Alternative APNs	`M:005=F B:0014 L:0013` `6420025`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,890 sqft Living Area
Gross Area	3,512 sqft
1st Floor Area	949 sqft
Basement Area	1,014 sqft
Unfinished Basement	1,014 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,999 sqft (0.207 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6420025
Street Address	23 STONE ST
City	SAUGUS
State	MA
Zip	01906-3758
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	14
Legal Lot Number	13
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1009
Census Tract	208101

Owner

23 Stone St is owned and occupied by two individuals who bought it in April 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	23 STONE ST, SAUGUS, MA 01906-3758
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
Apr 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WRIGHT PATMAN CONGRESSIONAL FCU
Apr 18, 2018	Deed of Trust, Mortgage AMERICAN NGBD MTG ACC
Feb 20, 2020	Deed of Trust, Mortgage · Balloon Mortgage CAMBRIDGE MUNICIPAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2014 · Amount on File
Deed Sale	Apr 23, 2014 · Amount on File
Prior Sale	Dec 2, 2013 · Amount on File
Deed Book / Page	33233 / 515
Transfer Doc	033233-515
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	23 STONE ST, SAUGUS, MA 01906-3758
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039816-587
Date	Apr 28, 2021
Book Page	39816/587
Instrument	20210428005220

Lender

Name	WRIGHT PATMAN CONGRESSIONAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	23 STONE ST, SAUGUS, MA 01906-3758
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36654-300
Date	Apr 18, 2018
Book Page	36654/300
Instrument	180418000860

Lender

Name	AMERICAN NGBD MTG ACC

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2048

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	23 STONE ST, SAUGUS, MA 01906-3758
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38274-584
Date	Feb 20, 2020
Book Page	38274/584
Instrument	20200220001350

Lender

Name	CAMBRIDGE MUNICIPAL

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 23 Stone St was $6,595, up 3.1% 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	$6,595.00 (+3.11%)	$632,900 (+5.68%) Land $342,700 Building $288,500	$708,509 (+15.36%)
2025	$6,396.00 (+4.12%)	$598,900 (+3.83%) Land $311,500 Building $287,400	$614,175
2024	$6,143.00 (+2.13%)	$576,800 (+7.97%) Land $293,700 Building $283,100
2023	$6,015.00	$534,200 Land $258,100 Building $276,100

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

Flood

FEMA maps place 23 Stone St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.

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 Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 1998 · Heavy Rains And Flooding

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 Stone 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 683 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, T-Mobile, Verizon.

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