38 School St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,241 sqft · built 1950
Lot Size	0.126 acres (5,502 sqft)
Owner	Individual Name on File
Last Sale	$332,500 (Feb 2015)
Tax Bill	$5,948 (2025)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:006-E B:0013 L:0004`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:006-E B:0013 L:0004`
Alternative APNs	`M:006=E B:0013 L:0004` `5696019`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,241 sqft Living Area
Gross Area	2,683 sqft
1st Floor Area	838 sqft
Basement Area	838 sqft
Unfinished Basement	838 sqft

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	5,502 sqft (0.126 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	5696019
Street Address	38 SCHOOL ST
City	SAUGUS
State	MA
Zip	01906-3757
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	13
Legal Lot Number	4
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2005
Census Tract	208101

Owner

Source: Essex County and Saugus Town assessment roll, as of April 14, 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 File
Mailing Address	38 SCHOOL ST, SAUGUS, MA 01906-3757
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 27, 2015 · Amount on Record
Deed Sale	Feb 27, 2015 · Amount on Record
Prior Sale	Jan 25, 2013 · Amount on Record
Deed Book / Page	33885 / 122
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	38 SCHOOL ST, SAUGUS, MA 01906-3757
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39248-200
Date	Dec 2, 2020
Book Page	39248/200
Instrument	20201202001650

Lender

Name	NEWREZ LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jan 1, 2046

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
2025	$5,948.00 (+2.55%)	$556,900 (+2.26%) Land $316,400 Building $240,500	$529,720
2024	$5,800.00 (+3.66%)	$544,600 (+9.6%) Land $307,800 Building $236,800
2023	$5,595.00	$496,900 Land $269,300 Building $227,600

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1979–1984)
Most Recent Claim	Jun 1984 · tidal / storm surge

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	Not rated no burnable land within ember reach

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 554 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20