27 Sterling Ave, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 27 Sterling Ave, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 905 sqft · built 1935
Lot Size	0.136 acres (5,933 sqft)
Owner	Individual Name on File
Last Sale	$335,000 (May 2019)
Tax Bill	$5,219 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Aug 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:011-F B:0011 L:0005`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:011-F B:0011 L:0005`
Alternative APNs	`M:011=F B:0011 L:0005` `6793020`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	905 sqft Living Area
Gross Area	1,392 sqft
1st Floor Area	905 sqft
Basement Area	335 sqft
Unfinished Basement	335 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Bungalow
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,933 sqft (0.136 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6793020
Street Address	27 STERLING AVE
City	SAUGUS
State	MA
Zip	01906-1317
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	11
Legal Lot Number	5
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2004
Census Tract	208302

Owner

27 Sterling Ave is owned and occupied by an individual who bought it in May 2019.

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

Owner of Record	Individual Name on File
Mailing Address	27 STERLING AVE, SAUGUS, MA 01906-1317
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
Jun 10, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Aug 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC
May 22, 2019	Quit Claim Deed, Transfer · VA Mortgage DRAPER AND KRAMER MORTGAGE CORP.

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2019 · Amount on File
Deed Sale	May 22, 2019 · Amount on File
Prior Sale	Aug 23, 2016 · Amount on File
Deed Document Number	20192310
Deed Book / Page	37527 / 125
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Recording Date	Jun 10, 2026
Property Address	27 STERLING AVE, SAUGUS, MA 01906-1317
Document Number	043435-272
Book / Page	43435 / 272
Instrument Date	May 28, 2026
Instrument	2026310
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 STERLING AVE, SAUGUS, MA 01906-1317

Mortgage

Document Number	0000000310,
Date	Jun 10, 2026
Book Page	43435/272
Instrument	2026310

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	27 STERLING AVE, SAUGUS, MA 01906-1317
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00040214-2
Date	Aug 26, 2021
Book Page	40214/2
Instrument	20210826003340

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	May 22, 2019
Property Address	27 STERLING AVE, SAUGUS, MA 01906-1317
Document Number	37527-125
Book / Page	37527 / 125
Instrument Date	May 22, 2019
Instrument	20190522002310
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount 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	27 STERLING AVE, SAUGUS, MA 01906-1317

Mortgage

Document Number	190522002320
Date	May 22, 2019
Instrument	190522002320

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

Type	VA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 27 Sterling Ave was $5,219, up 4% 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	$5,219.00 (+3.96%)	$500,900 (+6.57%) Land $348,000 Building $152,200	$527,112 (+19.58%)
2025	$5,020.00 (+2.85%)	$470,000 (+2.55%) Land $317,900 Building $152,100	$440,800
2024	$4,881.00 (+3.28%)	$458,300 (+9.2%) Land $309,400 Building $148,900
2023	$4,726.00	$419,700 Land $270,700 Building $149,000

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

Flood

FEMA maps place 27 Sterling Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2010.

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 File 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

Wildfire risk around 27 Sterling Ave is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect 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 423 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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