35 Howard St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 35 Howard St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,114 sqft · built 1950
Lot Size	0.287 acres (12,480 sqft)
Owner	2 Trust Names on File
Last Sale	$380,000 (Apr 2005)
Tax Bill	$6,733 (2026)
Deeds & Mortgages	Jan 2024 Transfer May 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:010-B B:0012 L:0006`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:010-B B:0012 L:0006`
Alternative APNs	`M:010=B B:0012 L:0006` `8220030`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,114 sqft Living Area
Gross Area	3,590 sqft
1st Floor Area	1,040 sqft
Basement Area	912 sqft
Unfinished Basement	912 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,480 sqft (0.287 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	8220030
Street Address	35 HOWARD ST
City	SAUGUS
State	MA
Zip	01906-4049
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	12
Legal Lot Number	6
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1014
Census Tract	208402

Owner

35 Howard St is owner-occupied and held in a trust since January 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	35 HOWARD ST, SAUGUS, MA 01906-4049
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable 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
Jan 22, 2024	Quit Claim Deed, Transfer Quitclaim
May 6, 2022	Deed of Trust, Mortgage · Line of Credit NORTHERN BANK & TRUST CO
Mar 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHERN BANK & TRUST CO
Dec 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2005 · Amount on File
Deed Sale	Apr 15, 2005 · Amount on File
Prior Sale	Aug 28, 1998 · Amount on File
Last Transfer Date	Jan 5, 2024
Transfer Doc	041956-162
Record Updated	Oct 29, 2026

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jan 22, 2024
Property Address	35 HOWARD ST, SAUGUS, MA 01906-4049
Document Number	041956-162
Book / Page	41956 / 162
Instrument Date	Jan 5, 2024
Instrument	20240122000240
Transaction Type	Transfer
Record Updated	Feb 9, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 HOWARD ST, SAUGUS, MA 01906-4049

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	35 HOWARD ST, SAUGUS, MA 01906-4049
Transaction Type	Mortgage
Record Updated	May 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040915-597
Date	May 6, 2022
Book Page	40915/597
Instrument	20220506000900

Lender

Name	NORTHERN BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	35 HOWARD ST, SAUGUS, MA 01906-4049
Transaction Type	Mortgage
Record Updated	Mar 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39594-410
Date	Mar 2, 2021
Book Page	39594/410
Instrument	20210302001490

Lender

Name	NORTHERN BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	35 HOWARD ST, SAUGUS, MA 01906-4049
Document Number	36446-136
Instrument Date	Dec 22, 2017
Transaction Type	Mortgage
Record Updated	Aug 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36446-136
Date	Jan 2, 2018
Book Page	036446/000136
Instrument	1801020420

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 35 Howard St was $6,733, up 0.1% 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	$6,733.00 (+0.06%)	$646,200 (+2.56%) Land $337,500 Building $306,100	$765,265 (+19.55%)
2025	$6,729.00 (+7.08%)	$630,100 (+6.8%) Land $305,200 Building $324,900	$640,110
2024	$6,284.00 (+1.9%)	$590,000 (+7.72%) Land $274,400 Building $315,600
2023	$6,167.00	$547,700 Land $247,000 Building $300,700

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

Flood

FEMA maps place 35 Howard St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 35 Howard St 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 170 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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