31 Sterling Ave, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 31 Sterling Ave, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,951 sqft · built 1960
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (Aug 2015)
Tax Bill	$6,866 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Nov 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:011-F B:0011 L:0003`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:011-F B:0011 L:0003`
Alternative APNs	`M:011=F B:0011 L:0003` `2347014`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,951 sqft Living Area
Gross Area	2,626 sqft
1st Floor Area	1,280 sqft
Basement Area	1,118 sqft
Unfinished Basement	447 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,001 sqft (0.23 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	2347014
Street Address	31 STERLING AVE
City	SAUGUS
State	MA
Zip	01906-1317
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	11
Legal Lot Number	3
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2004
Census Tract	208302

Owner

31 Sterling Ave is owned and occupied by two individuals who bought it in August 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	31 STERLING AVE, SAUGUS, MA 01906-1317
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 10, 2026	Deed of Trust, Mortgage · Line of Credit EVERETT COOPERATIVE BANK
Nov 16, 2022	Deed of Trust, Mortgage · ARM EVERETT COOPERATIVE BANK
Jun 20, 2018	Deed of Trust, Mortgage EVERETT COOPERATIVE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2015 · Amount on File
Deed Sale	Aug 17, 2015 · Amount on File
Prior Sale	Jun 29, 2004 · Amount on File
Deed Document Number	2015564608
Transfer Doc	0000564608
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Recording Date	Sep 10, 2026
Property Address	31 STERLING AVE, SAUGUS, MA 01906-1317
Document Number	0000668655
Instrument Date	Sep 4, 2026
Instrument	2026668655
Transaction Type	Mortgage
Record Updated	Sep 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 STERLING AVE, SAUGUS, MA 01906-1317

Mortgage

Document Number	0000668655,
Date	Sep 10, 2026
Instrument	2026668655

Lender

Name	EVERETT COOPERATIVE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2051

Interest

Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	31 STERLING AVE, SAUGUS, MA 01906-1317
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000640784
Date	Nov 16, 2022
Instrument	640784

Lender

Name	EVERETT COOPERATIVE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Type Change Date	Dec 1, 2029
Index	1-Year CMT

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	31 STERLING AVE, SAUGUS, MA 01906-1317
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000593636
Date	Jun 20, 2018
Instrument	593636

Lender

Name	EVERETT COOPERATIVE BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	300 Months
Due	Jun 1, 2043

Tax Assessment & Valuation

The 2026 property tax bill for 31 Sterling Ave was $6,866, 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	$6,866.00 (+4.51%)	$658,900 (+7.1%) Land $364,500 Building $289,000	$729,249 (+22.55%)
2025	$6,570.00 (+2.78%)	$615,200 (+2.5%) Land $333,000 Building $282,200	$595,080
2024	$6,392.00 (+4.84%)	$600,200 (+10.84%) Land $324,000 Building $276,200
2023	$6,097.00	$541,500 Land $283,500 Building $258,000

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

Flood

FEMA maps place 31 Sterling Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2010.

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 File 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

Wildfire risk around 31 Sterling Ave is low, with a 0.01% annual chance of 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	Indirect within 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 423 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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