397 Lincoln Ave, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 397 Lincoln Ave, Saugus, MA 01906

Property Summary

Property Type	Triplex
Details	5 bd · 3.5 ba · 2,720 sqft · built 1870
Lot Size	0.157 acres (6,821 sqft)
Owner	Individual Name on File
Tax Bill	$8,108 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Sep 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:005-F B:0006 L:0004`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:005-F B:0006 L:0004`
Alternative APNs	`M:005=F B:0006 L:0004` `5373021`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Units	3 Units
Stories	3 Stories
Building Area	2,720 sqft Living Area
Gross Area	4,692 sqft
1st Floor Area	1,096 sqft
Basement Area	1,096 sqft
Unfinished Basement	1,096 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Triplex
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,821 sqft (0.157 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5373021
Street Address	397 LINCOLN AVE
City	SAUGUS
State	MA
Zip	01906-4570
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	NA
Legal Subdivision	OAKLAND HEIGHTS
Legal Block	6
Legal Lot Number	4
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2023
Census Tract	208101

Owner

397 Lincoln Ave, a triplex, is owned by an individual who acquired it in March 2022.

Source: Essex County and Saugus Town records, as of April 14, 2026

Owner of Record	Individual Name on File
Mailing Address	59 CHESTNUT ST, SAUGUS, MA 01906-1603
Owner Type	Individual

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
Mar 30, 2022	Quit Claim Deed, Transfer · ARM EVERETT COOPERATIVE BANK
Sep 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance EVERETT COOPERATIVE BANK
Jul 7, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2012
Deed Sale	Mar 9, 2012
Prior Sale	Feb 8, 2008 · Amount on File
Last Transfer Date	Mar 28, 2022
Transfer Doc	040827-249
Record Updated	Oct 29, 2026

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Mar 30, 2022
Property Address	397 LINCOLN AVE, SAUGUS, MA 01906-4570
Document Number	040827-249
Book / Page	40827 / 249
Instrument Date	Mar 28, 2022
Instrument	20220330002860
Transaction Type	Transfer
Record Updated	Apr 15, 2022

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	63 CHESTNUT ST, SAUGUS, MA 01906-1605

Mortgage

Document Number	040827-252
Date	Mar 30, 2022
Book Page	40827/252
Instrument	20220330002870

Lender

Name	EVERETT COOPERATIVE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Apr 1, 2029
Index	1-Year CMT

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	397 LINCOLN AVE, SAUGUS, MA 01906-4570
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040272-123
Date	Sep 13, 2021
Book Page	40272/123
Instrument	20210913004610

Lender

Name	EVERETT COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2046

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jul 7, 2021
Property Address	397 LINCOLN AVE, SAUGUS, MA 01906-4570
Document Number	040059-189
Book / Page	40059 / 189
Instrument Date	Jun 28, 2021
Instrument	20210707001810
Transaction Type	Transfer
Record Updated	Jan 17, 2022

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	59 CHESTNUT ST # 61, 61, SAUGUS, MA 01906-1603

Tax Assessment & Valuation

The 2025 property tax bill for 397 Lincoln Ave was $8,108, up 6.6% 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
2025	$8,108.00 (+6.61%)	$759,200 (+6.32%) Land $286,500 Building $472,700
2024	$7,605.00 (+3.44%)	$714,100 (+9.37%) Land $260,500 Building $453,600
2023	$7,352.00	$652,900 Land $234,400 Building $418,500

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

Flood

FEMA maps place 397 Lincoln Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

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
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

The area around 397 Lincoln Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, T-Mobile, Verizon.

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