25 Hilltop Ave, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 25 Hilltop Ave, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,178 sqft · built 2005
Lot Size	0.412 acres (17,951 sqft)
Owner	2 Individual Names on Record
Last Sale	$625,000 (Feb 2013)
Tax Bill	$12,178 (2026)
Deeds & Mortgages	Nov 2020 Refinance Sep 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:009-G B:0008 L:0011`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:009-G B:0008 L:0011`
Alternative APN	`M:009=G B:0008 L:0011`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,178 sqft Living Area
Gross Area	6,480 sqft
1st Floor Area	1,642 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	17,951 sqft (0.412 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	25 HILLTOP AVE
City	SAUGUS
State	MA
Zip	01906-1462
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	8
Legal Lot Number	11
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2042
Census Tract	208302

Owner

Source: Essex County and Saugus Town records, as of October 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	25 HILLTOP AVE, SAUGUS, MA 01906-1462
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance PATRIOT BANK
Sep 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage ROCKLAND CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2013 · Amount on Record
Deed Sale	Feb 15, 2013 · Amount on Record
Prior Sale	Aug 31, 2006 · Amount on Record
Deed Book / Page	32216 / 203
Transfer Doc	032216-203
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	25 HILLTOP AVE, SAUGUS, MA 01906-1462
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39216-422
Date	Nov 24, 2020
Book Page	39216/422
Instrument	20201124000250

Lender

Name	PATRIOT BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2040

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	25 HILLTOP AVE, SAUGUS, MA 01906-1462
Document Number	37005-437
Instrument Date	Sep 7, 2018
Transaction Type	Mortgage
Record Updated	Oct 2, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 HILLTOP AVE SAUGUS MA 019061462, SAUGUS, MA 01906-1462

Mortgage

Document Number	37005-437
Date	Sep 12, 2018
Book Page	037005/000437
Instrument	180912450

Lender

Name	ROCKLAND CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 11, 2028

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
2026	$12,178.00 (+3.4%)	$1,168,700 (+5.98%) Land $426,100 Building $742,600	$1,255,524 (+17.51%)
2025	$11,778.00 (+2.86%)	$1,102,800 (+2.57%) Land $386,900 Building $715,900	$1,068,465
2024	$11,451.00 (+1.86%)	$1,075,200 (+7.69%) Land $372,200 Building $703,000
2023	$11,242.00	$998,400 Land $337,900 Building $660,500

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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