4 Cider Mill Rd, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,260 sqft · built 2003
Lot Size	0.312 acres (13,604 sqft)
Owner	2 Individual Names on File
Last Sale	$499,900 (May 2003)
Tax Bill	$9,156 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Mar 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:009-F B:0022 L:0011`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:009-F B:0022 L:0011`
Alternative APNs	`M:009=F B:0022 L:0011` `99038104`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,260 sqft Living Area
Gross Area	3,572 sqft
1st Floor Area	1,130 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,604 sqft (0.312 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	99038104
Street Address	4 CIDER MILL RD
City	SAUGUS
State	MA
Zip	01906-1482
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	22
Legal Lot Number	11
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2008
Census Tract	208302

Owner

Source: Essex County and Saugus Town records · APN SAUG M:009-F B:0022 L:0011

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 Individual Names on File
Mailing Address	4 CIDER MILL RD, SAUGUS, MA 01906-1482
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Mar 05, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Oct 07, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUAD CTY BK&TR
Oct 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 28, 2003 · Amount on Record
Deed Sale	May 28, 2003 · Amount on Record
Prior Sale	Nov 07, 2002 · Amount on Record
Deed Book / Page	20901 / 561
Transfer Doc	29373-176
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Recording Date	Jul 27, 2026
Property Address	4 CIDER MILL RD, SAUGUS, MA 01906-1482
Document Number	0000000480
Book / Page	43529 / 461
Instrument Date	Jul 22, 2026
Instrument	2026480
Transaction Type	Mortgage
Record Updated	Aug 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 CIDER MILL RD, SAUGUS, MA 01906-1482

Mortgage

Document Number	0000000480,
Date	Jul 27, 2026
Book Page	43529/461
Instrument	2026480

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate	6.49%
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	4 CIDER MILL RD, SAUGUS, MA 01906-1482
Transaction Type	Mortgage
Record Updated	Mar 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39614-5
Date	Mar 05, 2021
Book Page	39614/5
Instrument	20210305006420

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Apr 01, 2036

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	4 CIDER MILL RD, SAUGUS, MA 01906-1482
Document Number	37930-215
Instrument Date	Oct 07, 2019
Transaction Type	Mortgage
Record Updated	Oct 29, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4 CIDER MILL RD SAUGUS MA 019061482, SAUGUS, MA 01906-1482

Mortgage

Document Number	37930-215
Date	Oct 15, 2019
Book Page	037930/000215
Instrument	1015001550

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 14, 2034

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	4 CIDER MILL RD, SAUGUS, MA 01906-1482
Document Number	37121-8
Instrument Date	Oct 26, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4 CIDER MILL RD SAUGUS MA 019061482, SAUGUS, MA 01906-1482

Mortgage

Document Number	37121-8
Date	Oct 31, 2018
Book Page	037121/000008
Instrument	31002490

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 30, 2033

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	$9,156.00 (+3.24%)	$857,300 (+2.94%) Land $369,700 Building $487,600	$752,780
2024	$8,869.00 (+2.14%)	$832,800 (+8%) Land $355,700 Building $477,100
2023	$8,683.00	$771,100 Land $322,900 Building $448,200

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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