34 Pearl Rd, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 34 Pearl Rd, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,214 sqft · built 1992
Lot Size	0.263 acres (11,469 sqft)
Owner	Individual Name on Record
Last Sale	$530,000 (Aug 2012)
Tax Bill	$8,215 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Sep 2023 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:012-E B:0004 L:0011`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:012-E B:0004 L:0011`
Alternative APNs	`M:012=E B:0004 L:0011` `3363019`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,214 sqft Living Area
Gross Area	3,516 sqft
1st Floor Area	1,106 sqft
Basement Area	1,029 sqft
Finished Basement	1,029 sqft
Unfinished Basement	1,029 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,469 sqft (0.263 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3363019
Street Address	34 PEARL RD
City	SAUGUS
State	MA
Zip	01906-1253
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	4
Legal Lot Number	11
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	Individual Name on Record
Mailing Address	34 PEARL RD, SAUGUS, MA 01906-1253
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2026	Quit Claim Deed, Transfer · Line of Credit ROCKLAND TRUST COMPANY
Sep 13, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKLAND TRUST CO
Oct 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Oct 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Apr 11, 2018	Deed of Trust, Mortgage · Closed-End Mortgage BELMONT SAVINGS BANK
Jun 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance RESIDENTIAL MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2012 · Amount on Record
Deed Sale	Aug 31, 2012 · Amount on Record
Prior Sale	May 15, 2000 · Amount on Record
Deed Book / Page	31675 / 350
Transfer Doc	031675-350
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jul 21, 2026
Property Address	34 PEARL RD, SAUGUS, MA 01906-1253
Document Number	0000003060
Book / Page	43520 / 596
Instrument Date	Jul 21, 2026
Instrument	20263060
Transaction Type	Transfer
Record Updated	Aug 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 PEARL RD, SAUGUS, MA 01906-1253

Mortgage

Date	Jul 21, 2026

Lender

Name	ROCKLAND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months

Interest

Rate Type	Adjustable Rate
Rate	6.48%
Initial Type	Adjustable Rate
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	34 PEARL RD, SAUGUS, MA 01906-1253
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	041757-184
Date	Sep 13, 2023
Book Page	41757/184
Instrument	20230913000510

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2043

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	34 PEARL RD, SAUGUS, MA 01906-1253
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	040339-321
Date	Oct 1, 2021
Book Page	40339/321
Instrument	20211001002430

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

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

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	34 PEARL RD, SAUGUS, MA 01906-1253
Transaction Type	Mortgage
Record Updated	Oct 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40339-321
Date	Oct 1, 2021
Book Page	40339/321
Instrument	20211001002430

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

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

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	34 PEARL RD, SAUGUS, MA 01906-1253
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36639-497
Date	Apr 11, 2018
Book Page	36639/497
Instrument	180411000120

Lender

Name	BELMONT SAVINGS BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Apr 1, 2043

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	34 PEARL RD, SAUGUS, MA 01906-1253
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38635-60
Date	Jun 22, 2020
Book Page	38635/60
Instrument	20200622003110

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

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

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	$8,215.00 (+2.92%)	$788,400 (+5.49%) Land $397,900 Building $386,200	$887,906 (-8.7%)
2025	$7,982.00 (+3.14%)	$747,400 (+2.85%) Land $361,300 Building $386,100	$972,515
2024	$7,739.00 (+1.67%)	$726,700 (+7.5%) Land $347,600 Building $379,100
2023	$7,612.00	$676,000 Land $315,600 Building $360,400

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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