234 Hamilton St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 234 Hamilton St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,347 sqft · built 1910
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Jan 2009)
Tax Bill	$5,760 (2026)
Deeds & Mortgages	Jan 2022 Refinance Aug 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`SAUG M:008-G B:0009 L:0001`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:008-G B:0009 L:0001`
Alternative APNs	`M:008=G B:0009 L:0001` `9652013`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,347 sqft Living Area
Gross Area	2,266 sqft
1st Floor Area	843 sqft
Basement Area	711 sqft
Unfinished Basement	711 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,001 sqft (0.115 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	9652013
Street Address	234 HAMILTON ST
City	SAUGUS
State	MA
Zip	01906-1553
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	2
Census Block	2031
Census Tract	208302

Owner

234 Hamilton St is owned by two individuals who bought it in January 2009.

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 File
Mailing Address	1440 PLYMOUTH ST, BRIDGEWATER, MA 02324-2020
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance HOME POINT FINANCIAL CORPORATION
Aug 5, 2019	Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK
Aug 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage METRO CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2009 · Amount on File
Deed Sale	Jan 30, 2009 · Amount on File
Deed Book / Page	28287 / 366
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	234 HAMILTON ST, SAUGUS, MA 01906-1553
Transaction Type	Mortgage
Record Updated	Feb 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040680-467
Date	Jan 25, 2022
Book Page	40680/467
Instrument	20220125003110

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	234 HAMILTON ST, SAUGUS, MA 01906-1553
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37727-124
Date	Aug 5, 2019
Book Page	37727/124
Instrument	20190805000980

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	234 HAMILTON ST, SAUGUS, MA 01906-1553
Document Number	36081-251
Book / Page	036081 / 000251
Instrument Date	Aug 1, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	36081-251
Date	Aug 7, 2017
Book Page	036081/000251
Instrument	1708070266

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 6, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 234 Hamilton St was $5,760, up 3.3% 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	$5,760.00 (+3.28%)	$552,800 (+5.86%) Land $310,300 Building $235,100	$574,821 (+9.99%)
2025	$5,577.00 (+6.13%)	$522,200 (+5.84%) Land $280,500 Building $241,700	$522,595
2024	$5,255.00 (+0.71%)	$493,400 (+6.47%) Land $255,000 Building $238,400
2023	$5,218.00	$463,400 Land $229,500 Building $233,900

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

Flood

FEMA maps place 234 Hamilton 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 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	4 (2010–2024)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Jan 2024 · tidal / storm surge

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 234 Hamilton St is low, with less than 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 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 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 450 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: Verizon.

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