24 Western Ave, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 24 Western Ave, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,714 sqft · built 1989
Lot Size	0.262 acres (11,430 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,543 (2026)
Deeds & Mortgages	Aug 2022 Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:004-E B:0012 L:0013`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:004-E B:0012 L:0013`
Alternative APNs	`M:004=E B:0012 L:0013` `10289223`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,714 sqft Living Area
Gross Area	2,720 sqft
1st Floor Area	1,196 sqft
Basement Area	1,150 sqft
Unfinished Basement	632 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,430 sqft (0.262 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	10289223
Street Address	24 WESTERN AVE
City	SAUGUS
State	MA
Zip	01906-3828
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	12
Legal Lot Number	13
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2001
Census Tract	208102

Owner

24 Western Ave is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	24 WESTERN AVE, SAUGUS, MA 01906-3828
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
Aug 11, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Aug 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	24 WESTERN AVE, SAUGUS, MA 01906-3828
Transaction Type	Mortgage
Record Updated	Aug 26, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000638483
Date	Aug 11, 2022
Instrument	638483

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Sep 1, 2049

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	24 WESTERN AVE, SAUGUS, MA 01906-3828
Document Number	0000605920
Instrument Date	Aug 5, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 WINTER ST SAUGUS MA 019061614, SAUGUS, MA 01906-1614

Mortgage

Document Number	0000605920
Date	Sep 30, 2019
Instrument	605920

Lender

Name	HUD-HOUSING/URBAN DEV

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 29, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 24 Western Ave was $6,543, up 4.5% 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	$6,543.00 (+4.52%)	$627,900 (+7.13%) Land $352,000 Building $273,200	$650,339 (+3.13%)
2025	$6,260.00 (+4.3%)	$586,100 (+3.99%) Land $320,000 Building $266,100	$630,610
2024	$6,002.00 (+3.18%)	$563,600 (+9.1%) Land $301,700 Building $261,900
2023	$5,817.00	$516,600 Land $265,100 Building $251,500

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

Flood

FEMA maps place 24 Western Ave in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1978.

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	3 in force
Nearby Flood Claims	6 (1978–2023)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Aug 2023 · other causes
Claims by Event	Severe Storms And Flooding, May 2006 · 2 claims

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 24 Western Ave 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 98% of the US · lower than 96% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 623 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband, Netafy.

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