28 Western Ave, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 28 Western Ave, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,622 sqft · built 1908
Lot Size	0.144 acres (6,251 sqft)
Owner	2 Individual Names on File
Last Sale	$510,000 (Sep 2023)
Tax Bill	$5,573 (2026)
Deeds & Mortgages	Jul 2025 Line of Credit Sep 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:004-E B:0012 L:0003`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:004-E B:0012 L:0003`
Alternative APNs	`M:004=E B:0012 L:0003` `4752009`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,622 sqft Living Area
Gross Area	3,013 sqft
1st Floor Area	1,059 sqft
Basement Area	865 sqft
Unfinished Basement	865 sqft

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Architectural Style	Other
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,251 sqft (0.144 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	4752009
Street Address	28 WESTERN AVE
City	SAUGUS
State	MA
Zip	01906-3828
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	12
Legal Lot Number	3
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2001
Census Tract	208102

Owner

28 Western Ave is owned and occupied by two individuals who bought it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	28 WESTERN AVE, SAUGUS, MA 01906-3828
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jul 23, 2025	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Sep 6, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ENTERPRISE BANK & TRUST CO
Sep 2, 2021	Quit Claim Deed, Transfer Quitclaim
Jun 6, 2018	Deed of Trust, Mortgage DITECH FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2023 · Amount on File
Deed Sale	Sep 6, 2023 · Amount on File
Prior Sale	Oct 16, 2003 · Amount on File
Deed Document Number	20231610
Deed Book / Page	41747 / 600
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	28 WESTERN AVE, SAUGUS, MA 01906-3828
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	042844-305
Date	Jul 23, 2025
Book Page	42844/305
Instrument	20250723000070

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Sep 6, 2023
Property Address	28 WESTERN AVE, SAUGUS, MA 01906-3828
Document Number	041747-600
Book / Page	41747 / 600
Instrument Date	Sep 6, 2023
Instrument	20230906001610
Transaction Type	Transfer
Record Updated	Sep 22, 2023

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	28 WESTERN AVE, SAUGUS, MA 01906-3828
Investor	Possibly a Property Investor

Mortgage

Document Number	230906001620
Date	Sep 6, 2023
Instrument	230906001620

Lender

Name	ENTERPRISE BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Type Change Date	Oct 1, 2030
Max Rate At Change	2.88%
Index	1-Year CMT

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Sep 2, 2021
Property Address	28 WESTERN AVE, SAUGUS, MA 01906-3828
Document Number	40241-404
Book / Page	40241 / 404
Instrument Date	Aug 31, 2021
Instrument	20210902001220
Transaction Type	Transfer
Record Updated	Sep 17, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 BOULDER DR, BURLINGTON, MA 01803-1402

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	28 WESTERN AVE, SAUGUS, MA 01906-3828
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36766-477
Date	Jun 6, 2018
Book Page	36766/477
Instrument	180606000150

Lender

Name	DITECH FINANCIAL LLC

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 28 Western Ave was $5,573, up 3.8% 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	$5,573.00 (+3.84%)	$534,800 (+6.43%) Land $332,100 Building $202,700	$602,126 (+3.11%)
2025	$5,367.00 (+2.01%)	$502,500 (+1.72%) Land $301,900 Building $200,600	$583,965
2024	$5,261.00 (+2.53%)	$494,000 (+8.4%) Land $284,600 Building $209,400
2023	$5,131.00	$455,700 Land $250,100 Building $205,600

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

Flood

FEMA maps place 28 Western Ave in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1978.

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	6 (1978–2023)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Aug 2023 · other causes
Claims by Event	Severe Storms And Flooding, May 2006 · 2 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

Wildfire risk around 28 Western 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 98% of the US · lower than 96% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 623 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband, Netafy.

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