3 Naples Ave, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Duplex
Details	4 bd · 3.5 ba · 2,904 sqft · built 2005
Lot Size	0.283 acres (12,349 sqft)
Owner	2 Individual Names on File
Last Sale	$615,000 (May 2015)
Tax Bill	$9,865 (2025)
Deeds & Mortgages	Dec 2020 Refinance
Flood Zone	Zone AE (high risk)
APN	`SAUG M:004-G B:0009 L:0002`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:004-G B:0009 L:0002`
Alternative APNs	`M:004=G B:0009 L:0002` `5653026`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,904 sqft Living Area
Gross Area	4,684 sqft
1st Floor Area	1,380 sqft
Basement Area	1,524 sqft
Unfinished Basement	1,524 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	12,349 sqft (0.283 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5653026
Street Address	3 NAPLES AVE
City	SAUGUS
State	MA
Zip	01906-3049
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	NA
Legal Block	9
Legal Lot Number	2
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	4
Census Block	4007
Census Tract	208102

Owner

Source: Essex County and Saugus Town records · APN SAUG M:004-G B:0009 L:0002

Assessment roll updated April 14, 2026 · Last verified April 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 File
Mailing Address	3 NAPLES AVE, SAUGUS, MA 01906-3049
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 05, 2015 · Amount on Record
Deed Sale	May 05, 2015 · Amount on Record
Prior Sale	Dec 21, 2012 · Amount on Record
Deed Document Number	2015561336
Transfer Doc	80808
Record Updated	Jun 08, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	3 NAPLES AVE, SAUGUS, MA 01906-3049
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000620171
Date	Dec 29, 2020
Instrument	620171

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2051

Tax Assessment & Valuation

Source: Essex County and Saugus Town records · Assessment roll updated April 14, 2026 · Last verified April 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

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$9,865.00 (+2.78%)	$923,700 (+2.5%) Land $341,700 Building $582,000
2024	$9,598.00 (+4.71%)	$901,200 (+10.71%) Land $332,500 Building $568,700
2023	$9,166.00	$814,000 Land $290,900 Building $523,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 87 individual policies
Nearby Flood Policies	95 units insured incl. 8 condo units
Nearby Flood Claims	103 (1978–2024)
Claims Outside the SFHA	7 of 103
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Severe Storms And Flooding, May 2006 · 10 claims Extreme Weather Conditons And Flooding, Oct 1996 · 11 claims Coastal Storm, Oct 1991 · 7 claims

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Based on FCC filings for 577 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SAUGUS WATER DEPT. (MWRA) serves 27,844 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.