3 Hilltop Ave, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,777 sqft · built 1964
Lot Size	0.242 acres (10,537 sqft)
Owner	Individual Name on Record
Last Sale	$635,000 (Feb 2024)
Tax Bill	$6,854 (2026)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Dec 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:008-G B:0012 L:0002`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:008-G B:0012 L:0002`
Alternative APNs	`M:008=G B:0012 L:0002` `494034`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,777 sqft Living Area
Gross Area	2,520 sqft
1st Floor Area	1,106 sqft
Basement Area	1,032 sqft
Unfinished Basement	361 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,537 sqft (0.242 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	494034
Street Address	3 HILLTOP AVE
City	SAUGUS
State	MA
Zip	01906-1462
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	12
Legal Lot Number	2
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2043
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	Individual Name on Record
Mailing Address	6 NEEDHAMS LANDING RD, 208, LYNN, MA 01905-2793
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NEW FED MORTGAGE CORP
Dec 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Jul 2, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HOME POINT FINANCIAL CORPORATION
Feb 4, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 22, 2024 · Amount on Record
Deed Sale	Feb 22, 2024 · Amount on Record
Prior Sale	Jul 2, 2021 · Amount on Record
Deed Document Number	20241460
Deed Book / Page	41994 / 217
Record Updated	Oct 29, 2026

February 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Feb 22, 2024
Property Address	3 HILLTOP AVE, SAUGUS, MA 01906-1462
Document Number	041994-217
Book / Page	41994 / 217
Instrument Date	Feb 22, 2024
Instrument	20240222001460
Transaction Type	Transfer
Record Updated	Mar 8, 2024

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
Address	6 NEEDHAMS LANDING RD APT 208, 208, LYNN, MA 01905-2793

Mortgage

Document Number	240222001470
Date	Feb 22, 2024
Instrument	240222001470

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	3 HILLTOP AVE, SAUGUS, MA 01906-1462
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039336-111
Date	Dec 23, 2020
Book Page	39336/111
Instrument	20201223002760

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jul 2, 2021
Property Address	3 HILLTOP AVE, SAUGUS, MA 01906-1462
Document Number	040052-571
Book / Page	40052 / 571
Instrument Date	Jun 29, 2021
Instrument	20210702005120
Transaction Type	Transfer
Record Updated	Jan 17, 2022

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
Address	3 HILLTOP AVE, SAUGUS, MA 01906-1462

Mortgage

Document Number	00040056-5
Date	Jul 6, 2021
Book Page	40056/5
Instrument	20210706002820

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Feb 4, 2021
Property Address	3 HILLTOP AVE, SAUGUS, MA 01906-1462
Document Number	039495-193
Book / Page	39495 / 193
Instrument Date	Feb 3, 2021
Instrument	20210204004330
Transaction Type	Transfer
Record Updated	Jan 17, 2022

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	3 HILLTOP AVE, SAUGUS, MA 01906-1462

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	$6,854.00 (+1.48%)	$657,800 (+4.02%) Land $393,800 Building $263,600	$696,458 (+7.26%)
2025	$6,754.00 (+4.41%)	$632,400 (+4.12%) Land $357,600 Building $274,800	$649,325
2024	$6,469.00 (+3.12%)	$607,400 (+9.03%) Land $344,000 Building $263,400
2023	$6,273.00	$557,100 Land $312,400 Building $244,700

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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