Essex County and Saugus Town property record for 24 Spencer Ave, Saugus, MA 01906
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,200 sqft · built 1954 |
| Lot Size | 0.103 acres (4,500 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,609 (2026) |
| Deeds & Mortgages | Aug 2022 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | SAUG M:006-H B:0009 L:0001 |
| Primary APN | SAUG M:006-H B:0009 L:0001 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,200 sqft Living Area |
| Gross Area | 2,280 sqft |
| 1st Floor Area | 840 sqft |
| Basement Area | 720 sqft |
| Unfinished Basement | 720 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,500 sqft (0.103 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 102014 |
|---|---|
| Street Address | 24 SPENCER AVE |
| City | SAUGUS |
| State | MA |
| Zip | 01906-1750 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NA |
| Legal Subdivision | BUILDNG 176 |
| Legal Block | 9 |
| Legal Lot Number | 1 |
| Jurisdiction | SAUGUS MA |
| Township / Civil Division | SAUGUS |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 208102 |
24 Spencer Ave is owned and occupied by an individual who acquired it in September 2008.
Source: Essex County and Saugus Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 24 SPENCER AVE, SAUGUS, MA 01906-1750 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 29, 2008 |
| Deed Sale | Sep 29, 2008 |
| Prior Sale | Mar 22, 2007 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 24 SPENCER AVE, SAUGUS, MA 01906-1750 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000638881 |
|---|---|
| Date | Aug 26, 2022 |
| Instrument | 638881 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Sep 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 24 Spencer Ave was $5,609, up 3.4% from the year before.
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 | $5,609.00 (+3.41%) | $538,300 (+5.99%) Land $308,400 Building $227,300 | $581,883 (+19.3%) |
| 2025 | $5,424.00 (+6.39%) | $507,900 (+6.1%) Land $278,900 Building $229,000 | $487,730 |
| 2024 | $5,098.00 (+1.88%) | $478,700 (+7.72%) Land $253,500 Building $225,200 | |
| 2023 | $5,004.00 | $444,400 Land $228,200 Building $216,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 24 Spencer Ave 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 46 policies |
| Nearby Flood Policies | 46 in force |
| Nearby Flood Claims | 58 (1978–2024) |
| Claims Outside the SFHA | 4 of 58 |
| Most Recent Claim | Jan 2024 · other causes |
| 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.
No wildfire likelihood is modeled around 24 Spencer Ave, 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 wildfire likelihood modeled here |
|---|
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 264 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
May also be available: T-Mobile, Verizon.
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