37 Pearl Rd, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 37 Pearl Rd, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,818 sqft · built 1994
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Individual Names on File
Last Sale	$567,500 (Nov 2018)
Tax Bill	$7,483 (2026)
Deeds & Mortgages	Dec 2021 Refinance Nov 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:012-E B:0004 L:0013`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:012-E B:0004 L:0013`
Alternative APNs	`M:012=E B:0004 L:0013` `3362023`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,818 sqft Living Area
Gross Area	3,020 sqft
1st Floor Area	788 sqft
Basement Area	788 sqft
Unfinished Basement	788 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,001 sqft (0.23 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3362023
Street Address	37 PEARL RD
City	SAUGUS
State	MA
Zip	01906-1260
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	4
Legal Lot Number	13
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2005
Census Tract	208301

Owner

37 Pearl Rd is owned and occupied by two individuals who bought it in November 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	37 PEARL RD, SAUGUS, MA 01906-1260
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance METRO CU
Nov 9, 2018	Quit Claim Deed, Transfer · Conventional with PMI METRO CU
Jan 4, 2017	Quit Claim Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2018 · Amount on File
Deed Sale	Nov 9, 2018 · Amount on File
Prior Sale	Jan 4, 2017 · Amount on File
Deed Book / Page	37142 / 527
Transfer Doc	037142-527
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	37 PEARL RD, SAUGUS, MA 01906-1260
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	040549-568
Date	Dec 6, 2021
Book Page	40549/568
Instrument	20211206003740

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2053

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Nov 9, 2018
Property Address	37 PEARL RD, SAUGUS, MA 01906-1260
Document Number	37142-527
Book / Page	037142 / 000527
Instrument Date	Nov 9, 2018
Instrument	9001740
Transaction Type	Transfer
Record Updated	Nov 28, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,587.80
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 PEARL RD SAUGUS MA 019061260, SAUGUS, MA 01906-1260

Mortgage

Document Number	37142-529
Date	Nov 9, 2018
Book Page	037142/000529
Instrument	9001750

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 8, 2048

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jan 4, 2017
Property Address	37 PEARL RD, SAUGUS, MA 01906-1260
Document Number	35590-166
Book / Page	35590 / 166
Instrument	440
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$48.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	355900168
Date	Jan 4, 2017
Instrument	35590/0168

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 4, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 37 Pearl Rd was $7,483, up 3.3% 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	$7,483.00 (+3.27%)	$718,100 (+5.84%) Land $391,500 Building $326,600	$750,564 (+5.85%)
2025	$7,246.00 (+3.15%)	$678,500 (+2.87%) Land $355,500 Building $323,000	$709,080
2024	$7,025.00 (+1.69%)	$659,600 (+7.51%) Land $342,000 Building $317,600
2023	$6,908.00	$613,500 Land $310,500 Building $303,000

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

Flood

FEMA maps place 37 Pearl Rd 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	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

Wildfire risk around 37 Pearl Rd is low, with a 0.01% annual chance of 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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