Essex County and Saugus Town property record for 3 Adams Ave, Saugus, MA 01906
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,733 sqft · built 1900 |
| Lot Size | 0.127 acres (5,550 sqft) |
| Owner | Individual Name on File |
| Last Sale | $338,000 (Nov 2006) |
| Tax Bill | $6,542 (2026) |
| Deeds & Mortgages | Aug 2023 Line of Credit Dec 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | SAUG M:007-E B:0011 L:0001 |
| Primary APN | SAUG M:007-E B:0011 L:0001 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 1,733 sqft Living Area |
| Gross Area | 2,584 sqft |
| 1st Floor Area | 1,280 sqft |
| Basement Area | 604 sqft |
| Unfinished Basement | 604 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,550 sqft (0.127 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 6253021 |
|---|---|
| Street Address | 3 ADAMS AVE |
| City | SAUGUS |
| State | MA |
| Zip | 01906-2401 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NA |
| Legal Block | 11 |
| Legal Lot Number | 1 |
| Jurisdiction | SAUGUS MA |
| Township / Civil Division | SAUGUS |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 208200 |
3 Adams Ave is owned and occupied by an individual who acquired it in December 2020.
Source: Essex County and Saugus Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3 ADAMS AVE, SAUGUS, MA 01906-2401 |
| 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 |
|---|---|
| Aug 16, 2023 | Deed of Trust, Mortgage · Line of Credit CAMBRIDGE SAVINGS BANK |
| Dec 21, 2020 | Quit Claim Deed, Transfer · Stand-Alone Refinance RESIDENTIAL MORTGAGE SERVICES |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 7, 2006 · Amount on File |
| Deed Sale | Nov 7, 2006 · Amount on File |
| Deed Book / Page | 26267 / 153 |
| Last Transfer Date | Dec 14, 2020 |
| Transfer Doc | 39318-230 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 3 ADAMS AVE, SAUGUS, MA 01906-2401 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 041715-477 |
|---|---|
| Date | Aug 16, 2023 |
| Book Page | 41715/477 |
| Instrument | 20230816001990 |
| Name | CAMBRIDGE SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAUGUS MA |
| Recording Date | Dec 21, 2020 |
| Property Address | 3 ADAMS AVE, SAUGUS, MA 01906-2401 |
| Document Number | 39318-230 |
| Book / Page | 39318 / 230 |
| Instrument Date | Dec 14, 2020 |
| Instrument | 20201221002880 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 ADAMS AVE, SAUGUS, MA 01906-2401 |
| Document Number | 39318-232 |
|---|---|
| Date | Dec 21, 2020 |
| Book Page | 39318/232 |
| Instrument | 20201221002890 |
| Name | RESIDENTIAL MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
The 2026 property tax bill for 3 Adams Ave was $6,542, up 3.9% 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 | $6,542.00 (+3.89%) | $627,800 (+6.48%) Land $329,400 Building $298,400 | $693,721 (+16.61%) |
| 2025 | $6,297.00 (+4.78%) | $589,600 (+4.48%) Land $299,400 Building $290,200 | $594,890 |
| 2024 | $6,010.00 (+5.7%) | $564,300 (+11.74%) Land $282,300 Building $282,000 | |
| 2023 | $5,686.00 | $505,000 Land $248,100 Building $256,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Adams Ave in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1991.
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 | 7 in force |
| Nearby Flood Claims | 9 (1991–2008) |
| Claims Outside the SFHA | 2 of 9 |
| Most Recent Claim | Dec 2008 · Severe Winter Storm And Flooding |
| 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.
The area around 3 Adams Ave 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 554 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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