3 Cider Mill Rd, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 3 Cider Mill Rd, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,666 sqft · built 2001
Lot Size	0.344 acres (14,967 sqft)
Owner	2 Individual Names on Record
Last Sale	$535,000 (Dec 2001)
Tax Bill	$10,759 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:009-F B:0017 L:0020`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:009-F B:0017 L:0020`
Alternative APNs	`M:009=F B:0017 L:0020` `99024912`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,666 sqft Living Area
Gross Area	6,064 sqft
1st Floor Area	1,152 sqft
Basement Area	1,152 sqft
Unfinished Basement	1,152 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,967 sqft (0.344 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	99024912
Street Address	3 CIDER MILL RD
City	SAUGUS
State	MA
Zip	01906-1483
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Subdivision	BELLEVUE HEIGHTS
Legal Block	17
Legal Lot Number	20
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2010
Census Tract	208302

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3 CIDER MILL RD, SAUGUS, MA 01906-1483
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Aug 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST PRIORITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2001 · Amount on Record
Deed Sale	Dec 5, 2001 · Amount on Record
Deed Book / Page	17991 / 128
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Recording Date	Aug 21, 2026
Property Address	3 CIDER MILL RD, SAUGUS, MA 01906-1483
Document Number	0000000530
Book / Page	43582 / 303
Instrument Date	Aug 14, 2026
Instrument	2026530
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 CIDER MILL RD, SAUGUS, MA 01906-1483

Mortgage

Document Number	0000000530,
Date	Aug 21, 2026
Book Page	43582/303
Instrument	2026530

Lender

Name	BANK OF AMERICA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	3 CIDER MILL RD, SAUGUS, MA 01906-1483
Document Number	36153-237
Book / Page	036153 / 000237
Instrument Date	Aug 31, 2017
Transaction Type	Mortgage
Record Updated	Sep 26, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	36153-237
Date	Sep 5, 2017
Book Page	036153/000237
Instrument	1709050060

Lender

Name	FIRST PRIORITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 4, 2037

Tax Assessment & Valuation

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	$10,759.00 (+3.65%)	$1,032,500 (+6.24%) Land $413,100 Building $605,300	$1,016,304 (+0.59%)
2025	$10,380.00 (+2.79%)	$971,900 (+2.5%) Land $375,100 Building $596,800	$1,010,325
2024	$10,098.00 (+1.73%)	$948,200 (+7.57%) Land $360,900 Building $587,300
2023	$9,926.00	$881,500 Land $327,600 Building $553,900

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

Flood

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 Record 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

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	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 337 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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