33 Pearl Rd, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 33 Pearl Rd, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,041 sqft · built 1988
Lot Size	0.414 acres (18,038 sqft)
Owner	2 Individual Names on Record
Last Sale	$524,000 (Mar 2018)
Tax Bill	$7,937 (2026)
Deeds & Mortgages	Aug 2021 Refinance Aug 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:012-E B:0004 L:0014`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:012-E B:0004 L:0014`
Alternative APNs	`M:012=E B:0004 L:0014` `1431025`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,041 sqft Living Area
Gross Area	2,726 sqft
1st Floor Area	816 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,038 sqft (0.414 acres)

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Account Number	1431025
Street Address	33 PEARL RD
City	SAUGUS
State	MA
Zip	01906
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	4
Legal Lot Number	14
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2005
Census Tract	208301

Owner

Source: Essex County and Saugus Town records, as of October 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	33 PEARL RD, SAUGUS, MA 01906
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER BANK
Aug 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER BANK
Aug 10, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Mar 23, 2018	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2018 · Amount on Record
Deed Sale	Mar 23, 2018 · Amount on Record
Prior Sale	Jul 28, 2003 · Amount on Record
Deed Book / Page	36599 / 244
Transfer Doc	036599-244
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	33 PEARL RD, SAUGUS, MA 01906
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040199-241
Date	Aug 23, 2021
Book Page	40199/241
Instrument	20210823001630

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	33 PEARL RD, SAUGUS, MA 01906
Transaction Type	Mortgage
Record Updated	Sep 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40199-241
Date	Aug 23, 2021
Book Page	40199/241
Instrument	20210823001630

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	33 PEARL RD, SAUGUS, MA 01906
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38806-317
Date	Aug 10, 2020
Book Page	38806/317
Instrument	20200810005660

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

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

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Mar 23, 2018
Property Address	33 PEARL RD, SAUGUS, MA 01906
Document Number	36599-244
Book / Page	036599 / 000244
Instrument Date	Mar 9, 2018
Instrument	2890
Transaction Type	Transfer
Record Updated	Apr 10, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,389.44
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	33 PEARL RD SAUGUS MA 01906, SAUGUS, MA 01906

Mortgage

Document Number	36599-246
Date	Mar 23, 2018
Book Page	036599/000246
Instrument	2900

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 22, 2048

Interest

Rate	3.38%

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
2026	$7,937.00 (+4.68%)	$761,700 (+7.3%) Land $426,500 Building $321,500	$795,995 (+10.92%)
2025	$7,582.00 (+3.3%)	$709,900 (+3%) Land $387,300 Building $322,600	$717,630
2024	$7,340.00 (+2.49%)	$689,200 (+8.35%) Land $372,600 Building $316,600
2023	$7,162.00	$636,100 Land $338,200 Building $297,900

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
Nearby Flood Policies	1 in force

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	None beyond 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 121 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Verizon.

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