25 Naples Ave, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 2,092 sqft · built 1984
Lot Size	0.175 acres (7,640 sqft)
Owner	2 Individual Names on Record
Last Sale	$775,000 (Jan 2025)
Tax Bill	$7,968 (2026)
Deeds & Mortgages	Aug 2025 Mortgage Mar 2021 Refinance + 1 more
Flood Zone	Zone AE (high risk)
APN	`SAUG M:004-G B:0002 L:0007`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:004-G B:0002 L:0007`
Alternative APNs	`M:004=G B:0002 L:0007` `5456009`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,092 sqft Living Area
Gross Area	2,406 sqft
1st Floor Area	1,378 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,640 sqft (0.175 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	5456009
Street Address	25 NAPLES AVE
City	SAUGUS
State	MA
Zip	01906-3049
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	NA
Legal Block	2
Legal Lot Number	7
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	4
Census Block	4002
Census Tract	208102

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 NAPLES AVE, SAUGUS, MA 01906-3049
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2025	Deed of Trust, Mortgage METRO CU
Mar 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROSS MORTGAGE COMPANY INC
Jul 12, 2019	Quit Claim Deed, Transfer · Conventional with PMI ROSS MTG CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2025 · Amount on Record
Deed Sale	Jan 21, 2025 · Amount on Record
Prior Sale	Jul 12, 2019 · Amount on Record
Deed Document Number	2025656388
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	25 NAPLES AVE, SAUGUS, MA 01906-3049
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000660773
Date	Aug 15, 2025
Instrument	660773

Lender

Name	METRO CU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	481 Months
Due	Sep 1, 2065

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	25 NAPLES AVE, SAUGUS, MA 01906-3049
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000622530
Date	Mar 5, 2021
Instrument	622530

Lender

Name	ROSS MORTGAGE COMPANY INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jul 12, 2019
Property Address	25 NAPLES AVE, SAUGUS, MA 01906-3049
Document Number	0000603556
Instrument Date	Jul 11, 2019
Instrument	603556
Transaction Type	Transfer
Record Updated	Jul 31, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,644.80
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	25 NAPLES AVE SAUGUS MA 019063049, SAUGUS, MA 01906-3049

Mortgage

Document Number	603557
Date	Jul 12, 2019
Instrument	603557

Lender

Name	ROSS MTG CO INC

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 2049

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	$7,968.00 (+2.47%)	$764,700 (+5.03%) Land $354,900 Building $408,500	$799,987
2025	$7,776.00 (+1.91%)	$728,100 (+1.63%) Land $324,300 Building $403,800
2024	$7,630.00 (+3.22%)	$716,400 (+9.12%) Land $315,500 Building $400,900
2023	$7,392.00	$656,500 Land $276,100 Building $380,400

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 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 Record median of 87 individual policies
Nearby Flood Policies	95 units insured incl. 8 condo units
Nearby Flood Claims	103 (1978–2024)
Claims Outside the SFHA	7 of 103
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Severe Storms And Flooding, May 2006 · 10 claims Extreme Weather Conditons And Flooding, Oct 1996 · 11 claims Coastal Storm, Oct 1991 · 7 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

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

Wildfire Risk	Not rated no burnable land within 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 577 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.

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