3 Foliage Dr, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 3 Foliage Dr, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,939 sqft · built 1984
Lot Size	0.257 acres (11,204 sqft)
Owner	2 Individual Names on Record
Last Sale	$642,000 (Nov 2018)
Tax Bill	$9,030 (2026)
Deeds & Mortgages	Jan 2017 Line of Credit Aug 2019 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:010-G B:0001 L:0002`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:010-G B:0001 L:0002`
Alternative APNs	`M:010=G B:0001 L:0002` `4231035`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,939 sqft Living Area
Gross Area	3,444 sqft
1st Floor Area	1,284 sqft
Basement Area	1,284 sqft
Unfinished Basement	385 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,204 sqft (0.257 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	4231035
Street Address	3 FOLIAGE DR
City	SAUGUS
State	MA
Zip	01906-1473
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Subdivision	FOREST HLNDS
Legal Block	1
Legal Lot Number	2
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3 FOLIAGE DR, SAUGUS, MA 01906-1473
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2017	Deed of Trust, Mortgage · Line of Credit E CAMBRIDGE SVGS BK
Aug 27, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK
Apr 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK
Nov 19, 2018	Quit Claim Deed, Transfer ENVISION BANK
May 21, 2018	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2018 · Amount on Record
Deed Sale	Nov 19, 2018 · Amount on Record
Prior Sale	May 21, 2018
Deed Book / Page	37160 / 409
Transfer Doc	037160-409
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	3 FOLIAGE DR, SAUGUS, MA 01906-1473
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35603-46
Date	Jan 10, 2017
Book Page	35603/46
Instrument	395

Lender

Name	E CAMBRIDGE SVGS BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	3 FOLIAGE DR, SAUGUS, MA 01906-1473
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37787-432
Date	Aug 27, 2019
Book Page	37787/432
Instrument	20190827001680

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	3 FOLIAGE DR, SAUGUS, MA 01906-1473
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38465-105
Date	Apr 29, 2020
Book Page	38465/105
Instrument	20200429002290

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2040

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Nov 19, 2018
Property Address	3 FOLIAGE DR, SAUGUS, MA 01906-1473
Document Number	37160-409
Book / Page	37160 / 409
Instrument	181119000350
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$62.56
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	371600411
Date	Nov 19, 2018
Instrument	37160/0411

Lender

Name	ENVISION BANK

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 19, 2048

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	May 21, 2018
Property Address	3 FOLIAGE DR, SAUGUS, MA 01906-1473
Document Number	36726-575
Book / Page	036726 / 000575
Instrument Date	May 8, 2018
Instrument	180521970
Transaction Type	Transfer
Record Updated	Jun 13, 2018

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3 FOLIAGE DR SAUGUS MA 019061473, SAUGUS, MA 01906-1473

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	$9,030.00 (+4.49%)	$866,600 (+7.09%) Land $396,700 Building $465,900	$983,927 (+13.37%)
2025	$8,642.00 (+3.19%)	$809,200 (+2.9%) Land $360,300 Building $448,900	$867,920
2024	$8,375.00 (+3.37%)	$786,400 (+9.3%) Land $346,600 Building $439,800
2023	$8,102.00	$719,500 Land $314,700 Building $404,800

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	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 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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