3 Clayton Ave, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 3 Clayton Ave, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 2,052 sqft · built 1920
Lot Size	0.207 acres (8,999 sqft)
Owner	2 Individual Names on Record
Last Sale	$640,000 (Jun 2023)
Tax Bill	$6,899 (2026)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Apr 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:006-G B:0016 L:0009`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:006-G B:0016 L:0009`
Alternative APNs	`M:006=G B:0016 L:0009` `2970033`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,052 sqft Living Area
Gross Area	3,046 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Rustic
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,999 sqft (0.207 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Wood Furnace
Heating Fuel	Gas

Location & Zoning

Account Number	2970033
Street Address	3 CLAYTON AVE
City	SAUGUS
State	MA
Zip	01906-2715
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	16
Legal Lot Number	9
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	4
Census Block	4005
Census Tract	208101

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 CLAYTON AVE, SAUGUS, MA 01906-2715
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC
Apr 17, 2018	Deed of Trust, Mortgage · Line of Credit EASTERN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2023 · Amount on Record
Deed Sale	Jun 30, 2023 · Amount on Record
Prior Sale	May 9, 2003 · Amount on Record
Deed Document Number	20235620
Deed Book / Page	41643 / 374
Record Updated	Oct 29, 2026

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jun 30, 2023
Property Address	3 CLAYTON AVE, SAUGUS, MA 01906-2715
Document Number	041643-374
Book / Page	41643 / 374
Instrument Date	Jun 30, 2023
Instrument	20230630005620
Transaction Type	Transfer
Record Updated	Jul 19, 2023

Transaction

Amount	Amount Recorded
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	3 CLAYTON AVE, SAUGUS, MA 01906-2715

Mortgage

Document Number	230630005650
Date	Jun 30, 2023
Instrument	230630005650

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	3 CLAYTON AVE, SAUGUS, MA 01906-2715
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36649-504
Date	Apr 17, 2018
Book Page	36649/504
Instrument	180417000130

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$6,899.00 (+2.77%)	$662,100 (+5.33%) Land $342,700 Building $311,500	$647,625 (-2.52%)
2025	$6,713.00 (+7.07%)	$628,600 (+6.78%) Land $311,500 Building $317,100	$664,335
2024	$6,270.00 (+2.25%)	$588,700 (+8.1%) Land $293,700 Building $295,000
2023	$6,132.00	$544,600 Land $258,100 Building $286,500

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 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	Severe Storms And Flooding, Mar 2010 · 3 claims Severe Storms And Flooding, May 2006 · 4 claims Extreme Weather Conditons And Flooding, Oct 1996 · 6 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

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.

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 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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