38 Pleasant St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 38 Pleasant St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,392 sqft · built 1943
Lot Size	0.165 acres (7,179 sqft)
Owner	2 Individual Names on Record
Last Sale	$575,000 (Dec 2020)
Tax Bill	$7,054 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Jun 2024 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:009-E B:0008 L:0028`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:009-E B:0008 L:0028`
Alternative APNs	`M:009=E B:0008 L:0028` `7857025`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,392 sqft Living Area
Gross Area	2,249 sqft
1st Floor Area	768 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1943
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	7,179 sqft (0.165 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	7857025
Street Address	38 PLEASANT ST
City	SAUGUS
State	MA
Zip	01906-2133
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	8
Legal Lot Number	28
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1012
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	38 PLEASANT ST, SAUGUS, MA 01906-2133
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2025	Deed of Trust, Mortgage · Line of Credit ROCKLAND TRUST CO
Jun 5, 2024	Deed of Trust, Mortgage · Line of Credit NORTHERN HOME LOANS LLC
Jan 21, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HOME LOAN AND INVESTMENT BANK FSB
Nov 3, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Feb 23, 2021	Quit Claim Deed, Transfer Quitclaim
Dec 29, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2020 · Amount on Record
Deed Sale	Dec 29, 2020 · Amount on Record
Prior Sale	Jul 15, 2014 · Amount on Record
Deed Book / Page	39351 / 462
Last Transfer Date	Feb 18, 2021
Transfer Doc	39560-132
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	38 PLEASANT ST, SAUGUS, MA 01906-2133
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	043117-525
Date	Dec 9, 2025
Book Page	43117/525
Instrument	20251209003170

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	289 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	38 PLEASANT ST, SAUGUS, MA 01906-2133
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042151-381
Date	Jun 5, 2024
Book Page	42151/381
Instrument	20240605001300

Lender

Name	NORTHERN HOME LOANS LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	38 PLEASANT ST, SAUGUS, MA 01906-2133
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38204-113
Date	Jan 21, 2020
Book Page	38204/113
Instrument	20200121003120

Lender

Name	HOME LOAN AND INVESTMENT BANK FSB
Type	Bank

Agreement

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

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	38 PLEASANT ST, SAUGUS, MA 01906-2133
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39136-67
Date	Nov 3, 2020
Book Page	39136/67
Instrument	20201103001020

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2045

Interest

Rate Type	Adjustable Rate

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Feb 23, 2021
Property Address	38 PLEASANT ST, SAUGUS, MA 01906-2133
Document Number	39560-132
Book / Page	39560 / 132
Instrument Date	Feb 18, 2021
Instrument	20210223000940
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Relationship	Tenants by the Entirety
Address	38 PLEASANT ST, SAUGUS, MA 01906-2133

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Dec 29, 2020
Property Address	38 PLEASANT ST, SAUGUS, MA 01906-2133
Document Number	39351-462
Book / Page	39351 / 462
Instrument Date	Dec 21, 2020
Instrument	20201229001560
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 PLEASANT ST, SAUGUS, MA 01906-2133

Mortgage

Document Number	201229001570
Date	Dec 29, 2020
Instrument	201229001570

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$7,054.00 (+6.16%)	$677,000 (+8.81%) Land $379,200 Building $287,200	$720,270 (+8.9%)
2025	$6,645.00 (+4.2%)	$622,200 (+3.91%) Land $335,600 Building $286,600	$661,390
2024	$6,377.00 (+2.11%)	$598,800 (+7.97%) Land $318,200 Building $280,600
2023	$6,245.00	$554,600 Land $291,200 Building $263,400

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 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 501 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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