3 Oneil Way, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 3 Oneil Way, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 5,902 sqft · built 2024
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Feb 2022)
Tax Bill	$15,889 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Feb 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:009-G B:0007 L:0010`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:009-G B:0007 L:0010`
Alternative APN	`M:009=G B:0007 L:0010`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	5,902 sqft Living Area
Gross Area	6,877 sqft
Basement Area	1,190 sqft
Finished Basement	1,190 sqft
Unfinished Basement	1,190 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Street Address	3 ONEIL WAY
City	SAUGUS
State	MA
Zip	01906-1497
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	7
Legal Lot Number	10
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2042
Census Tract	208302

Owner

Source: Essex County and Saugus Town records, as of July 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	22 PUTNAM ST, SAUGUS, MA 01906-3507
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2022	Deed of Trust, Mortgage · ARM EVERETT COOPERATIVE BANK
Feb 2, 2022	Quit Claim Deed, Transfer
Sep 3, 2019	Quit Claim Deed, Transfer PETER CONTI
Dec 18, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2022 · Amount on Record
Deed Sale	Feb 2, 2022 · Amount on Record
Prior Sale	Sep 3, 2019 · Amount on Record
Deed Document Number	20222220
Deed Book / Page	40700 / 571
Prior Transfer Date	Dec 28, 2021
Prior Transfer Doc	040700-571
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	3 ONEIL WAY, SAUGUS, MA 01906-1497
Transaction Type	Mortgage
Record Updated	May 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040886-135
Date	Apr 25, 2022
Book Page	40886/135
Instrument	20220425001180

Lender

Name	EVERETT COOPERATIVE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.63%
Type Change Date	Apr 1, 2027
Index	1-Year CMT

February 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Feb 2, 2022
Property Address	3 ONEIL WAY, SAUGUS, MA 01906-1497
Document Number	040700-571
Book / Page	40700 / 571
Instrument Date	Dec 28, 2021
Instrument	20220202002220
Transaction Type	Transfer
Record Updated	Feb 18, 2022

Transaction

Amount	Amount Recorded
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	22 PUTNAM ST, SAUGUS, MA 01906-3507

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Sep 3, 2019
Property Address	3 ONEIL WAY, SAUGUS, MA 01906-1497
Document Number	37811-1
Book / Page	037811 / 000001
Instrument Date	Sep 3, 2019
Instrument	3005380
Transaction Type	Transfer
Record Updated	Sep 20, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,003.20
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Estate
Address	1 TWIN SPRINGS DR SAUGUS MA 019061486, SAUGUS, MA 01906-1486

Mortgage

Document Number	37811-3
Date	Sep 3, 2019
Book Page	037811/000003
Instrument	3005390

Lender

Name	PETER CONTI

Agreement

Amount	Amount Recorded

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Dec 18, 2017
Property Address	3 ONEIL WAY, SAUGUS, MA 01906-1497
Document Number	36413-334
Book / Page	036413 / 000334
Instrument Date	Dec 15, 2017
Instrument	1712182080
Transaction Type	Transfer
Record Updated	Jan 11, 2018

Transaction

Amount	Amount Recorded
Tax	$912.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	907 SHERWOOD FOREST LN SAUGUS MA 019061973, SAUGUS, MA 01906-1973

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
2025	$15,889.00 (+312.27%)	$1,487,700 (+311.08%) Land $376,200 Building $1,111,500	$1,538,525
2024	$3,854.00 (+4.16%)	$361,900 (+10.13%) Land $361,900
2023	$3,700.00	$328,600 Land $328,600

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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