38 Vine St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Duplex
Details	5 bd · 4 ba · 2,592 sqft · built 1965
Lot Size	0.574 acres (25,008 sqft)
Owner	Individual Name on Record
Last Sale	$945,000 (Dec 2025)
Tax Bill	$9,791 (2025)
Deeds & Mortgages	Jan 2021 Refinance Dec 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:008-D B:0012 L:0006`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:008-D B:0012 L:0006`
Alternative APNs	`M:008=D B:0012 L:0006` `9895011`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,592 sqft Living Area
Gross Area	4,236 sqft
1st Floor Area	1,248 sqft
Basement Area	1,248 sqft
Unfinished Basement	1,248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,008 sqft (0.574 acres)

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Account Number	9895011
Street Address	38 VINE ST
City	SAUGUS
State	MA
Zip	01906-3435
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	NA
Legal Subdivision	PLAN 571
Legal Block	12
Legal Lot Number	6
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	3
Census Block	3020
Census Tract	208200

Owner

Source: Essex County and Saugus Town records, as of April 21, 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	38 VINE ST, SAUGUS, MA 01906-3435
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Dec 18, 2025	Quit Claim Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 24, 2021	Quit Claim Deed, Transfer Quitclaim
Aug 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUAD CTY BK&TR
Mar 23, 2018	Quit Claim Deed, Transfer USAA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2025 · Amount on Record
Deed Sale	Dec 18, 2025 · Amount on Record
Prior Sale	Mar 23, 2018
Deed Book / Page	43137 / 482
Prior Transfer Date	May 18, 2021
Prior Transfer Doc	39908-427
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	38 VINE ST, SAUGUS, MA 01906-3435
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039420-557
Date	Jan 19, 2021
Book Page	39420/557
Instrument	20210119000970

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Feb 1, 2050

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Dec 18, 2025
Property Address	38 VINE ST, SAUGUS, MA 01906-3435
Document Number	043137-482
Book / Page	43137 / 482
Instrument Date	Dec 18, 2025
Instrument	20251218002920
Transaction Type	Transfer
Record Updated	Jan 7, 2026

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 VINE ST, SAUGUS, MA 01906-3435

Mortgage

Document Number	20251218002930
Date	Dec 18, 2025
Instrument	20251218002930

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	May 24, 2021
Property Address	38 VINE ST, SAUGUS, MA 01906-3435
Document Number	39908-427
Book / Page	39908 / 427
Instrument Date	May 18, 2021
Instrument	20210524001890
Transaction Type	Transfer
Record Updated	Jun 11, 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
Address	38 VINE ST, SAUGUS, MA 01906-3435

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	38 VINE ST, SAUGUS, MA 01906-3435
Document Number	37810-16
Instrument Date	Aug 28, 2019
Transaction Type	Mortgage
Record Updated	Sep 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	38 VINE ST SAUGUS MA 019063435, SAUGUS, MA 01906-3435

Mortgage

Document Number	37810-16
Date	Sep 3, 2019
Book Page	037810/000016
Instrument	3004050

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 2, 2049

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Mar 23, 2018
Property Address	38 VINE ST, SAUGUS, MA 01906-3435
Document Number	36600-432
Book / Page	036600 / 000432
Instrument Date	Mar 19, 2018
Instrument	4380
Transaction Type	Transfer
Record Updated	Apr 11, 2018

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	24 ELMWOOD AVE SAUGUS MA 019063544, SAUGUS, MA 01906-3544

Mortgage

Document Number	36600-435
Date	Mar 23, 2018
Book Page	036600/000435
Instrument	4390

Lender

Name	USAA

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 22, 2048

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
2025	$9,791.00 (+6.46%)	$916,800 (+6.16%) Land $332,000 Building $584,800
2024	$9,197.00 (+4.16%)	$863,600 (+10.12%) Land $301,900 Building $561,700
2023	$8,830.00	$784,200 Land $271,900 Building $512,300

Assessed value is set for property tax purposes and is not a market price estimate.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	9 (1991–2008)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Dec 2008 · Severe Winter Storm And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 4 claims Extreme Weather Conditons And Flooding, Oct 1996 · 2 claims

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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

38 Vine St, Saugus, MA 01906 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2025: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2021: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

August 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2018: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Vine St

Nearby Streets

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