Essex County and Saugus Town property record for 23 Summer St, Saugus, MA 01906
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 2,191 sqft · built 1905 |
| Lot Size | 0.263 acres (11,443 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $385,000 (May 2017) |
| Tax Bill | $6,547 (2025) |
| Deeds & Mortgages | Jan 2021 Refinance Feb 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SAUG M:009-E B:0009 L:0001 |
| Primary APN | SAUG M:009-E B:0009 L:0001 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,191 sqft Living Area |
| Gross Area | 4,350 sqft |
| 1st Floor Area | 849 sqft |
| Basement Area | 1,087 sqft |
| Unfinished Basement | 804 sqft |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 11,443 sqft (0.263 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 2117033 |
|---|---|
| Street Address | 23 SUMMER ST |
| City | SAUGUS |
| State | MA |
| Zip | 01906-2162 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NA |
| Legal Block | 9 |
| Legal Lot Number | 1 |
| Jurisdiction | SAUGUS MA |
| Township / Civil Division | SAUGUS |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 208301 |
Source: Essex County and Saugus Town records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 23 SUMMER ST, SAUGUS, MA 01906-2162 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 5, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance HOME POINT FINANCIAL CORPORATION |
| Feb 24, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE |
| May 31, 2017 | Quit Claim Deed, Transfer UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2017 · Amount on Record |
| Deed Sale | May 31, 2017 · Amount on Record |
| Deed Book / Page | 35908 / 139 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 23 SUMMER ST, SAUGUS, MA 01906-2162 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 039377-424 |
|---|---|
| Date | Jan 5, 2021 |
| Book Page | 39377/424 |
| Instrument | 20200105003650 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Feb 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 23 SUMMER ST, SAUGUS, MA 01906-2162 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38281-198 |
|---|---|
| Date | Feb 24, 2020 |
| Book Page | 38281/198 |
| Instrument | 20200224001820 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAUGUS MA |
| Recording Date | May 31, 2017 |
| Property Address | 23 SUMMER ST, SAUGUS, MA 01906-2162 |
| Document Number | 35908-139 |
| Book / Page | 35908 / 139 |
| Instrument | 805 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $43.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 23 SUMMER ST, SAUGUS, MA 01906-2162 |
| Document Number | 359080141 |
|---|---|
| Date | May 31, 2017 |
| Instrument | 35908/0141 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | May 31, 2047 |
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 |
|---|---|---|---|
| 2025 | $6,547.00 (+2.51%) | $613,000 (+2.22%) Land $338,300 Building $274,700 | $651,795 |
| 2024 | $6,387.00 (+2.6%) | $599,700 (+8.48%) Land $329,200 Building $270,500 | |
| 2023 | $6,225.00 | $552,800 Land $288,000 Building $264,800 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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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