25 Spencer Ave, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,574 sqft · built 1940
Lot Size	0.231 acres (10,058 sqft)
Owner	Individual Name on Record
Last Sale	$505,000 (Aug 2022)
Tax Bill	$6,031 (2026)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`SAUG M:006-H B:0007 L:0010`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:006-H B:0007 L:0010`
Alternative APNs	`M:006=H B:0007 L:0010` `8839001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,574 sqft Living Area
Gross Area	2,580 sqft
1st Floor Area	848 sqft
Basement Area	728 sqft
Unfinished Basement	728 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,058 sqft (0.231 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	8839001
Street Address	25 SPENCER AVE
City	SAUGUS
State	MA
Zip	01906-1721
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	7
Legal Lot Number	10
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1001
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	Individual Name on Record
Mailing Address	25 SPENCER AVE, SAUGUS, MA 01906-1721
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MSA LENDING LLC
Jun 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage JG WENTWORTH HM LNDG
Jul 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2022 · Amount on Record
Deed Sale	Aug 22, 2022 · Amount on Record
Deed Book / Page	41143 / 18
Prior Transfer Date	Aug 19, 2022
Prior Transfer Doc	0041143-18
Record Updated	Oct 29, 2026

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Aug 22, 2022
Property Address	25 SPENCER AVE, SAUGUS, MA 01906-1721
Document Number	0041143-18
Book / Page	41143 / 18
Instrument Date	Aug 19, 2022
Instrument	55
Transaction Type	Transfer
Record Updated	Nov 11, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 SPENCER AVE, SAUGUS, MA 01906-1721

Mortgage

Document Number	0000000056
Date	Aug 22, 2022
Instrument	56

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	25 SPENCER AVE, SAUGUS, MA 01906-1721
Document Number	37621-21
Instrument Date	Jun 14, 2019
Transaction Type	Mortgage
Record Updated	Jul 16, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 SPENCER AVE SAUGUS MA 019061721, SAUGUS, MA 01906-1721

Mortgage

Document Number	37621-21
Date	Jun 27, 2019
Book Page	037621/000021
Instrument	1906272290

Lender

Name	JG WENTWORTH HM LNDG

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 26, 2049

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	25 SPENCER AVE, SAUGUS, MA 01906-1721
Document Number	36923-14
Instrument Date	Jul 31, 2018
Transaction Type	Mortgage
Record Updated	Aug 29, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 SPENCER AVE SAUGUS MA 019061721, SAUGUS, MA 01906-1721
Investor	Possibly a Property Investor

Mortgage

Document Number	36923-14
Date	Aug 8, 2018
Book Page	036923/000014
Instrument	8000050

Lender

Name	JG WENTWORTH HM LNDG

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 7, 2048

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	$6,031.00 (+3.48%)	$578,800 (+6.07%) Land $328,700 Building $242,900	$641,016 (+7.79%)
2025	$5,828.00 (+6.41%)	$545,700 (+6.11%) Land $297,200 Building $248,500	$594,700
2024	$5,477.00 (+1.63%)	$514,300 (+7.46%) Land $270,200 Building $244,100
2023	$5,389.00	$478,600 Land $243,200 Building $235,400

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 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	Severe Storms And Flooding, May 2006 · 6 claims Extreme Weather Conditons And Flooding, Oct 1996 · 5 claims Coastal Storm, Oct 1991 · 4 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 wildfire likelihood modeled here

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 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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