30 Spencer Ave, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 30 Spencer Ave, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,690 sqft · built 1950
Lot Size	0.155 acres (6,752 sqft)
Owner	2 Trust Names on File
Last Sale	$705,000 (Jan 2024)
Tax Bill	$6,945 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Jan 2024 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`SAUG M:006-H B:0009 L:0012`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:006-H B:0009 L:0012`
Alternative APNs	`M:006=H B:0009 L:0012` `4150002`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,690 sqft Living Area
Gross Area	2,591 sqft
1st Floor Area	913 sqft
Basement Area	817 sqft
Unfinished Basement	817 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,752 sqft (0.155 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	4150002
Street Address	30 SPENCER AVE
City	SAUGUS
State	MA
Zip	01906-1750
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	9
Legal Lot Number	12
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1008
Census Tract	208102

Owner

30 Spencer Ave is owner-occupied and held in a trust since September 2024.

Source: Essex County and Saugus Town records, as of October 20, 2026

Owner of Record	2 Trust Names on File
Mailing Address	30 SPENCER AVE, SAUGUS, MA 01906-1750
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2025	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN INTERNET MORTGAGE INC
Jan 4, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROCKLAND TRUST CO
Aug 5, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2024 · Amount on File
Deed Sale	Jan 4, 2024 · Amount on File
Prior Sale	Jun 7, 2013 · Amount on File
Deed Book / Page	41937 / 466
Last Transfer Date	Sep 5, 2024
Transfer Doc	0042312-99
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	30 SPENCER AVE, SAUGUS, MA 01906-1750
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	043126-510
Date	Dec 15, 2025
Book Page	43126/510
Instrument	20251215000370

Lender

Name	AMERICAN INTERNET MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2055

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jan 4, 2024
Property Address	30 SPENCER AVE, SAUGUS, MA 01906-1750
Document Number	041937-466
Book / Page	41937 / 466
Instrument Date	Jan 4, 2024
Instrument	20240104002220
Transaction Type	Transfer
Record Updated	Jan 19, 2024

Transaction

Amount	Amount on Record
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	30 SPENCER AVE, SAUGUS, MA 01906-1750

Mortgage

Document Number	240104002230
Date	Jan 4, 2024
Instrument	240104002230

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	30 SPENCER AVE, SAUGUS, MA 01906-1750
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38792-320
Date	Aug 5, 2020
Book Page	38792/320
Instrument	20200805005060

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 30 Spencer Ave was $6,945, up 4.5% from the year before.

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	$6,945.00 (+4.5%)	$666,500 (+7.1%) Land $316,600 Building $338,700	$694,275 (+2.64%)
2025	$6,646.00 (+6.01%)	$622,300 (+5.73%) Land $286,300 Building $336,000	$676,400
2024	$6,269.00 (+3.72%)	$588,600 (+9.65%) Land $260,300 Building $328,300
2023	$6,044.00	$536,800 Land $234,200 Building $302,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 30 Spencer Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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 File median of 46 policies
Nearby Flood Policies	46 in force
Nearby Flood Claims	58 (1978–2024)
Claims Outside the SFHA	4 of 58
Most Recent Claim	Jan 2024 · other causes
Claims by Event	Severe Storms And Flooding, May 2006 · 6 claims Extreme Weather Conditons And Flooding, Oct 1996 · 5 claims Coastal Storm, Oct 1991 · 4 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

No wildfire likelihood is modeled around 30 Spencer Ave, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no wildfire likelihood modeled here

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 264 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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