34 Heritage Ln, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 34 Heritage Ln, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,514 sqft · built 1997
Lot Size	0.461 acres (20,064 sqft)
Owner	Trust Name on File
Tax Bill	$10,671 (2026)
Deeds & Mortgages	Dec 2020 Refinance Oct 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:011-B B:0006 L:0034`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:011-B B:0006 L:0034`
Alternative APNs	`M:011=B B:0006 L:0034` `96056314`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,514 sqft Living Area
Gross Area	4,159 sqft
1st Floor Area	1,417 sqft
Basement Area	1,405 sqft
Unfinished Basement	1,405 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	20,064 sqft (0.461 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	96056314
Street Address	34 HERITAGE LN
City	SAUGUS
State	MA
Zip	01906-3187
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Subdivision	BERTHOLD FARMS SAUGUS
Legal Block	6
Legal Lot Number	34
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1016
Census Tract	208402

Owner

34 Heritage Ln is owner-occupied and held in a trust since August 2015.

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

Owner of Record	Trust Name on File
Mailing Address	34 HERITAGE LN, SAUGUS, MA 01906-3187
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
Dec 4, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance EAST CAMBRIDGE SAVINGS BANK
Oct 21, 2020	Deed of Trust, Mortgage · Line of Credit EAST CAMBRIDGE SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2015
Deed Sale	Aug 18, 2015
Prior Sale	Jan 5, 2010 · Amount on File
Deed Document Number	2015208
Deed Book / Page	34304 / 586
Transfer Doc	31120-524
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	34 HERITAGE LN, SAUGUS, MA 01906-3187
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39256-152
Date	Dec 4, 2020
Book Page	39256/152
Instrument	20201204002130

Lender

Name	EAST CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	34 HERITAGE LN, SAUGUS, MA 01906-3187
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39085-93
Date	Oct 21, 2020
Book Page	39085/93
Instrument	20201021004570

Lender

Name	EAST CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 34 Heritage Ln was $10,671, up 4.2% 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	$10,671.00 (+4.19%)	$1,024,100 (+6.79%) Land $500,300 Building $523,800	$1,053,780 (+27.48%)
2025	$10,242.00 (+2.99%)	$959,000 (+2.7%) Land $455,300 Building $503,700	$826,595
2024	$9,945.00 (+7.91%)	$933,800 (+14.09%) Land $440,300 Building $493,500
2023	$9,216.00	$818,500 Land $355,200 Building $463,300

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

Flood

FEMA maps place 34 Heritage Ln in Zone X, an area of minimal flood risk.

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	2 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

The area around 34 Heritage Ln has no burnable land within ember reach, 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 burnable land 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 223 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: Verizon.

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