Essex County and Saugus Town property record for 28 Summer St, Saugus, MA 01906
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,003 sqft · built 1930 |
| Lot Size | 0.606 acres (26,402 sqft) |
| Owner | Individual Name on File |
| Last Sale | $800,000 (Jun 2023) |
| Tax Bill | $8,531 (2026) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Mar 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SAUG M:009-E B:0003 L:0029 |
| Primary APN | SAUG M:009-E B:0003 L:0029 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,003 sqft Living Area |
| Gross Area | 3,493 sqft |
| 1st Floor Area | 1,173 sqft |
| Basement Area | 1,174 sqft |
| Unfinished Basement | 1,174 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 26,402 sqft (0.606 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 7657020 |
|---|---|
| Street Address | 28 SUMMER ST |
| City | SAUGUS |
| State | MA |
| Zip | 01906-2139 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NA |
| Legal Block | 3 |
| Legal Lot Number | 29 |
| Jurisdiction | SAUGUS MA |
| Township / Civil Division | SAUGUS |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 208301 |
28 Summer St is owned and occupied by an individual who bought it in June 2023.
Source: Essex County and Saugus Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 28 SUMMER ST, SAUGUS, MA 01906-2139 |
| 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.
| Date | Document |
|---|---|
| Jun 29, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage NEW FED MORTGAGE CORP |
| Mar 18, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance ALLIED MORTGAGE & SERVICES |
| Nov 25, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 29, 2023 · Amount on File |
| Deed Sale | Jun 29, 2023 · Amount on File |
| Deed Document Number | 2023960 |
| Deed Book / Page | 41636 / 461 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAUGUS MA |
| Recording Date | Jun 29, 2023 |
| Property Address | 28 SUMMER ST, SAUGUS, MA 01906-2139 |
| Document Number | 041636-461 |
| Book / Page | 41636 / 461 |
| Instrument Date | Jun 29, 2023 |
| Instrument | 20230629000960 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 28 SUMMER ST, SAUGUS, MA 01906-2139 |
| Document Number | 230629000970 |
|---|---|
| Date | Jun 29, 2023 |
| Instrument | 230629000970 |
| Name | NEW FED MORTGAGE CORP |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Type Change Date | Jul 1, 2030 |
| Max Rate At Change | 2.75% |
| Index | Other |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 28 SUMMER ST, SAUGUS, MA 01906-2139 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38346-275 |
|---|---|
| Date | Mar 18, 2020 |
| Book Page | 38346/275 |
| Instrument | 20200318003110 |
| Name | ALLIED MORTGAGE & SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 28 SUMMER ST, SAUGUS, MA 01906-2139 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 39223-292 |
|---|---|
| Date | Nov 25, 2020 |
| Book Page | 39223/292 |
| Instrument | 20201125000700 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
The 2026 property tax bill for 28 Summer St was $8,531, up 2.2% 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 | $8,531.00 (+2.23%) | $818,700 (+4.77%) Land $407,500 Building $385,800 | $825,123 (+1.02%) |
| 2025 | $8,345.00 (+2.51%) | $781,400 (+2.22%) Land $372,500 Building $408,900 | $816,810 |
| 2024 | $8,141.00 (+1.74%) | $764,400 (+7.56%) Land $362,400 Building $402,000 | |
| 2023 | $8,002.00 | $710,700 Land $317,400 Building $393,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28 Summer St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective July 10, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 28 Summer St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 429 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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