39 Elm St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 39 Elm St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,361 sqft · built 1935
Lot Size	0.133 acres (5,811 sqft)
Owner	Individual Name on Record
Last Sale	$272,500 (Apr 2014)
Tax Bill	$6,412 (2026)
Deeds & Mortgages	Apr 2021 Refinance Oct 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:011-F B:0006 L:0005`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:011-F B:0006 L:0005`
Alternative APNs	`M:011=F B:0006 L:0005` `1671035`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,361 sqft Living Area
Gross Area	2,728 sqft
1st Floor Area	866 sqft
Basement Area	836 sqft
Unfinished Basement	836 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,811 sqft (0.133 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	1671035
Street Address	39 ELM ST
City	SAUGUS
State	MA
Zip	01906-1342
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	6
Legal Lot Number	5
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	3
Census Block	3015
Census Tract	208302

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	Individual Name on Record
Mailing Address	39 ELM ST, SAUGUS, MA 01906-1342
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ARC HOME LLC
Oct 31, 2025	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Apr 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ARC HOME LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2014 · Amount on Record
Deed Sale	Apr 29, 2014 · Amount on Record
Prior Sale	Sep 27, 2002 · Amount on Record
Deed Book / Page	33244 / 346
Transfer Doc	033244-346
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	39 ELM ST, SAUGUS, MA 01906-1342
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00039750-3
Date	Apr 9, 2021
Book Page	39750/3
Instrument	20210409003190

Lender

Name	ARC HOME LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	39 ELM ST, SAUGUS, MA 01906-1342
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	043038-384
Date	Oct 31, 2025
Book Page	43038/384
Instrument	20251031000060

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	39 ELM ST, SAUGUS, MA 01906-1342
Transaction Type	Mortgage
Record Updated	Apr 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39750-3
Date	Apr 9, 2021
Book Page	39750/3
Instrument	20210409003190

Lender

Name	ARC HOME LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

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	$6,412.00 (+3.27%)	$615,400 (+5.85%) Land $347,500 Building $267,200	$629,458 (+18.68%)
2025	$6,209.00 (+2.78%)	$581,400 (+2.5%) Land $317,500 Building $263,900	$530,385
2024	$6,041.00 (+3.34%)	$567,200 (+9.24%) Land $308,900 Building $258,300
2023	$5,846.00	$519,200 Land $270,300 Building $248,900

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
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

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	Indirect 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 423 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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