25 Clark St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 25 Clark St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,061 sqft · built 1965
Lot Size	0.144 acres (6,281 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Sep 2010)
Tax Bill	$5,811 (2025)
Deeds & Mortgages	Jul 2026 Second Mortgage Nov 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:010-F B:0013 L:0013`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:010-F B:0013 L:0013`
Alternative APNs	`M:010=F B:0013 L:0013` `3848009`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,061 sqft Living Area
Gross Area	2,122 sqft
1st Floor Area	1,060 sqft
Basement Area	1,032 sqft
Unfinished Basement	1,032 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,281 sqft (0.144 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	3848009
Street Address	25 CLARK ST
City	SAUGUS
State	MA
Zip	01906-2261
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Subdivision	SAUGUS TERRACE
Legal Block	13
Legal Lot Number	13
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	3
Census Block	3020
Census Tract	208302

Owner

Source: Essex County and Saugus Town assessment roll, as of April 14, 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 File
Mailing Address	25 CLARK ST, SAUGUS, MA 01906-2261
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FEDERAL CREDIT UNION
Nov 9, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) NAVY FCU
Jun 27, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance HANSCOM FCU
Dec 9, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NAVY FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 8, 2010 · Amount on Record
Deed Sale	Sep 8, 2010 · Amount on Record
Prior Sale	Apr 28, 1995 · Amount on Record
Deed Book / Page	29751 / 447
Transfer Doc	26067-295
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Recording Date	Jul 17, 2026
Property Address	25 CLARK ST, SAUGUS, MA 01906-2261
Document Number	0000000900
Book / Page	43513 / 204
Instrument Date	Jul 9, 2026
Instrument	2026900
Transaction Type	Mortgage
Record Updated	Aug 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 CLARK ST, SAUGUS, MA 01906-2261

Mortgage

Document Number	0000000900,
Date	Jul 17, 2026
Book Page	43513/204
Instrument	2026900

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2041

Interest

Rate	5.84%
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	25 CLARK ST, SAUGUS, MA 01906-2261
Transaction Type	Mortgage
Record Updated	Nov 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041294-220
Date	Nov 9, 2022
Book Page	41294/220
Instrument	20221109002850

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2032

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	25 CLARK ST, SAUGUS, MA 01906-2261
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37621-299
Date	Jun 27, 2019
Book Page	37621/299
Instrument	20190627002620

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	25 CLARK ST, SAUGUS, MA 01906-2261
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39272-550
Date	Dec 9, 2020
Book Page	39272/550
Instrument	20201209000370

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	193 Months
Due	Jan 1, 2037

Tax Assessment & Valuation

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
2025	$5,811.00 (+2.52%)	$544,100 (+2.24%) Land $303,300 Building $240,800	$665,665
2024	$5,668.00 (+3.13%)	$532,200 (+9.04%) Land $295,100 Building $237,100
2023	$5,496.00	$488,100 Land $258,200 Building $229,900

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

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