4 Cave Rock Rd, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 4 Cave Rock Rd, Saugus, MA 01906 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,142 sqft · built 2003
Lot Size	0.34 acres (14,819 sqft)
Owner	2 Company Names on File
Last Sale	$730,000 (Jan 2019)
Tax Bill	$9,926 (2025)
Deeds & Mortgages	Nov 2018 Line of Credit May 2020 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:010-G B:0001 L:0053`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:010-G B:0001 L:0053`
Alternative APN	`M:010=G B:0001 L:0053`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,142 sqft Living Area
Gross Area	6,278 sqft
1st Floor Area	1,649 sqft
Basement Area	1,680 sqft
Unfinished Basement	1,680 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,819 sqft (0.34 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4 CAVE ROCK RD
City	SAUGUS
State	MA
Zip	01906-1484
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	VINEGAR HILL ESTATES PH 01
Legal Block	1
Legal Lot Number	53
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2010
Census Tract	208302

Owner

Source: Essex County and Saugus Town records · APN SAUG M:010-G B:0001 L:0053

Assessment roll updated April 14, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on File
Mailing Address	4 CAVE ROCK RD, SAUGUS, MA 01906-1484
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 09, 2018	Deed of Trust, Mortgage · Line of Credit LEADER BANK NA
May 05, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Feb 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Oct 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE
Jan 22, 2019	Quit Claim Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 22, 2019 · Amount on Record
Deed Sale	Jan 22, 2019 · Amount on Record
Prior Sale	Jul 01, 2003 · Amount on Record
Deed Document Number	201920190122002980
Deed Book / Page	37285 / 407
Last Transfer Date	May 17, 2025
Transfer Doc	042738-206
Record Updated	Sep 20, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	4 CAVE ROCK RD, SAUGUS, MA 01906-1484
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37143-162
Date	Nov 09, 2018
Book Page	37143/162
Instrument	181109002430

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	4 CAVE ROCK RD, SAUGUS, MA 01906-1484
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38486-15
Date	May 05, 2020
Book Page	38486/15
Instrument	20200505002010

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2050

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	4 CAVE ROCK RD, SAUGUS, MA 01906-1484
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39526-255
Date	Feb 12, 2021
Book Page	39526/255
Instrument	20210212004090

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	4 CAVE ROCK RD, SAUGUS, MA 01906-1484
Document Number	37937-536
Instrument Date	Oct 10, 2019
Transaction Type	Mortgage
Record Updated	Nov 05, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4 CAVE ROCK RD SAUGUS MA 019061484, SAUGUS, MA 01906-1484

Mortgage

Document Number	37937-536
Date	Oct 16, 2019
Book Page	037937/000536
Instrument	1016003490

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2049

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jan 22, 2019
Property Address	4 CAVE ROCK RD, SAUGUS, MA 01906-1484
Document Number	37285-407
Book / Page	037285 / 000407
Instrument Date	Jan 02, 2019
Instrument	1901222980
Transaction Type	Transfer
Record Updated	Feb 13, 2019

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,328.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4 CAVE ROCK RD SAUGUS MA 019061484, SAUGUS, MA 01906-1484

Mortgage

Document Number	37285-410
Date	Jan 22, 2019
Book Page	037285/000410
Instrument	1901222990

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 21, 2049

Tax Assessment & Valuation

Source: Essex County and Saugus Town records · Assessment roll updated April 14, 2026 · Last verified July 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,926.00 (+2.79%)	$929,400 (+2.49%) Land $374,500 Building $554,900	$954,275
2024	$9,657.00 (+1.74%)	$906,800 (+7.57%) Land $360,300 Building $546,500
2023	$9,492.00	$843,000 Land $327,100 Building $515,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Essex County (25009C), updated July 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250092083022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 12 individual NFIP policies nearby
Nearby Flood Policies	12 in force
Nearby Flood Claims	4 (2010–2024)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Jan 2024, tidal / storm surge

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 337 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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