Essex County and Saugus Town property record for 28 Elaine Ave, Saugus, MA 01906
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,198 sqft · built 1974 |
| Lot Size | 0.235 acres (10,228 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $295,000 (Mar 2008) |
| Tax Bill | $6,201 (2026) |
| Deeds & Mortgages | Oct 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | SAUG M:005-G B:0016 L:0012 |
| Primary APN | SAUG M:005-G B:0016 L:0012 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,198 sqft Living Area |
| Gross Area | 1,968 sqft |
| 1st Floor Area | 648 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,228 sqft (0.235 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Radiant |
| Heating Fuel | Electric |
| Account Number | 6315029 |
|---|---|
| Street Address | 28 ELAINE AVE |
| City | SAUGUS |
| State | MA |
| Zip | 01906-2942 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NA |
| Legal Block | 16 |
| Legal Lot Number | 12 |
| Jurisdiction | SAUGUS MA |
| Township / Civil Division | SAUGUS |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 208101 |
28 Elaine Ave is owned and occupied by two individuals who bought it in March 2008.
Source: Essex County and Saugus Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 28 ELAINE AVE, SAUGUS, MA 01906-2942 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 10, 2008 · Amount on File |
| Deed Sale | Mar 10, 2008 · Amount on File |
| Prior Sale | Mar 10, 2008 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 28 ELAINE AVE, SAUGUS, MA 01906-2942 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000661781 |
|---|---|
| Date | Oct 6, 2025 |
| Instrument | 661781 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Nov 1, 2055 |
The 2026 property tax bill for 28 Elaine Ave was $6,201, up 8.3% from the year before.
Source: Essex County and Saugus Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Saugus Town |
| Unified School District | Saugus School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,201.00 (+8.33%) | $595,100 (+11.03%) Land $347,400 Building $243,900 | $621,793 (+20.4%) |
| 2025 | $5,724.00 (+4.7%) | $536,000 (+4.42%) Land $315,800 Building $220,200 | $516,420 |
| 2024 | $5,467.00 (+3.29%) | $513,300 (+9.19%) Land $297,800 Building $215,500 | |
| 2023 | $5,293.00 | $470,100 Land $261,700 Building $208,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28 Elaine Ave in Zone X, an area of minimal flood risk, though there have been 35 flood claims nearby since 1979.
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 103 individual policies |
| Nearby Flood Policies | 109 units insured incl. 6 condo units |
| Nearby Flood Claims | 35 (1979–2025) |
| Claims Outside the SFHA | 8 of 35 |
| Most Recent Claim | Jan 2025 · other causes |
| Claims by Event |
|
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 risk around 28 Elaine Ave is low, with less than 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 99.1% of the US · lower than 98.7% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
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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