32 Spencer Ave, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 32 Spencer Ave, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 798 sqft · built 1952
Lot Size	0.231 acres (10,049 sqft)
Owner	2 Trust Names on File
Tax Bill	$5,296 (2026)
Deeds & Mortgages	Oct 2024 Mortgage Dec 2018 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`SAUG M:006-H B:0009 L:0011`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:006-H B:0009 L:0011`
Alternative APNs	`M:006=H B:0009 L:0011` `2148005`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	798 sqft Living Area
Gross Area	1,725 sqft
1st Floor Area	798 sqft
Basement Area	798 sqft
Unfinished Basement	798 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,049 sqft (0.231 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2148005
Street Address	32 SPENCER AVE
City	SAUGUS
State	MA
Zip	01906-1750
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Subdivision	EDISON TERRACE
Legal Block	9
Legal Lot Number	11
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1008
Census Tract	208102

Owner

32 Spencer Ave is owner-occupied and held in a trust since May 2018.

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

Owner of Record	2 Trust Names on File
Mailing Address	32 SPENCER AVE, SAUGUS, MA 01906-1750
Occupancy	Owner Occupied
Owner Type	Company
Vesting	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
Oct 28, 2024	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Dec 4, 2018	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK
May 11, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2018
Deed Sale	May 11, 2018
Prior Sale	Nov 1, 2012 · Amount on File
Deed Book / Page	36708 / 475
Transfer Doc	031874-508
Record Updated	Oct 29, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	32 SPENCER AVE, SAUGUS, MA 01906-1750
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042398-386
Date	Oct 28, 2024
Book Page	42398/386
Instrument	20241028002250

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2054

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	32 SPENCER AVE, SAUGUS, MA 01906-1750
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37194-533
Date	Dec 4, 2018
Book Page	37194/533
Instrument	119

Lender

Name	NORTH SHORE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	May 11, 2018
Property Address	32 SPENCER AVE, SAUGUS, MA 01906-1750
Document Number	36708-475
Book / Page	036708 / 000475
Instrument Date	May 1, 2018
Instrument	1805111810
Transaction Type	Transfer
Record Updated	May 31, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	32 SPENCER AVE SAUGUS MA 019061750, SAUGUS, MA 01906-1750

Tax Assessment & Valuation

The 2026 property tax bill for 32 Spencer Ave was $5,296, up 5.4% 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	$5,296.00 (+5.35%)	$508,300 (+7.99%) Land $328,700 Building $179,600	$570,955 (+22.38%)
2025	$5,027.00 (+7.35%)	$470,700 (+7.05%) Land $297,200 Building $173,500	$466,545
2024	$4,683.00 (+2.43%)	$439,700 (+8.3%) Land $270,200 Building $169,500
2023	$4,572.00	$406,000 Land $243,100 Building $162,900

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

Flood

FEMA maps place 32 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 32 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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