Essex County and Saugus Town property record for 4 Free St, Saugus, MA 01906
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,917 sqft · built 1958 |
| Lot Size | 0.273 acres (11,901 sqft) |
| Owner | Individual Name on File |
| Last Sale | $543,602 (Dec 2018) |
| Tax Bill | $8,346 (2026) |
| Deeds & Mortgages | Oct 2021 Refinance Oct 2021 Refinance + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SAUG M:007-D B:0012 L:0016 |
| Primary APN | SAUG M:007-D B:0012 L:0016 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,917 sqft Living Area |
| Gross Area | 4,427 sqft |
| 1st Floor Area | 1,917 sqft |
| Basement Area | 2,381 sqft |
| Unfinished Basement | 2,381 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 11,901 sqft (0.273 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 96016 |
|---|---|
| Street Address | 4 FREE ST |
| City | SAUGUS |
| State | MA |
| Zip | 01906-3411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NA |
| Legal Block | 12 |
| Legal Lot Number | 16 |
| Jurisdiction | SAUGUS MA |
| Township / Civil Division | SAUGUS |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 208200 |
4 Free St is owned and occupied by an individual who bought it in December 2018.
Source: Essex County and Saugus Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4 FREE ST, SAUGUS, MA 01906-3411 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Oct 4, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance MEMBERS MORTGAGE COMPANY INC |
| Oct 4, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance MEMBERS MORTGAGE COMPANY INC |
| Apr 29, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance MEMBERS MORTGAGE COMPANY INC |
| Apr 6, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance MEMBERS MORTGAGE COMPANY INC |
| Dec 14, 2018 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage MEMBERS MORTGAGE COMPANY INC |
| Dec 15, 2017 | Quit Claim Deed, Transfer FBC MTG LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 14, 2018 · Amount on File |
| Deed Sale | Dec 14, 2018 · Amount on File |
| Prior Sale | Dec 15, 2017 · Amount on File |
| Deed Book / Page | 37219 / 102 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 4 FREE ST, SAUGUS, MA 01906-3411 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 040345-228 |
|---|---|
| Date | Oct 4, 2021 |
| Book Page | 40345/228 |
| Instrument | 20211004001960 |
| Name | MEMBERS MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 4 FREE ST, SAUGUS, MA 01906-3411 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 40345-228 |
|---|---|
| Date | Oct 4, 2021 |
| Book Page | 40345/228 |
| Instrument | 20211004001960 |
| Name | MEMBERS MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 4 FREE ST, SAUGUS, MA 01906-3411 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 37469-245 |
|---|---|
| Date | Apr 29, 2019 |
| Book Page | 37469/245 |
| Instrument | 20190429000950 |
| Name | MEMBERS MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 4 FREE ST, SAUGUS, MA 01906-3411 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38396-175 |
|---|---|
| Date | Apr 6, 2020 |
| Book Page | 38396/175 |
| Instrument | 20200406001210 |
| Name | MEMBERS MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAUGUS MA |
| Recording Date | Dec 14, 2018 |
| Property Address | 4 FREE ST, SAUGUS, MA 01906-3411 |
| Document Number | 37219-102 |
| Book / Page | 37219 / 102 |
| Instrument Date | Dec 14, 2018 |
| Instrument | 20181214004540 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 FREE ST, SAUGUS, MA 01906-3411 |
| Document Number | 181214004550 |
|---|---|
| Date | Dec 14, 2018 |
| Instrument | 181214004550 |
| Name | MEMBERS MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAUGUS MA |
| Recording Date | Dec 15, 2017 |
| Property Address | 4 FREE ST, SAUGUS, MA 01906-3411 |
| Document Number | 36409-511 |
| Book / Page | 36409 / 511 |
| Instrument | 171215005720 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $47.65 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 FREE ST, SAUGUS, MA 01906-3411 |
| Document Number | 364090513 |
|---|---|
| Date | Dec 15, 2017 |
| Instrument | 36409/0513 |
| Name | FBC MTG LLC |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 372 Months |
| Due | Dec 15, 2048 |
The 2026 property tax bill for 4 Free St was $8,346, up 4.1% from the year before.
Source: Essex County and Saugus Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Saugus Town |
| Unified School District | Saugus School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,346.00 (+4.1%) | $801,000 (+6.7%) Land $372,200 Building $427,500 | $776,520 (+3.99%) |
| 2025 | $8,017.00 (+2.61%) | $750,700 (+2.33%) Land $340,000 Building $410,700 | $746,700 |
| 2024 | $7,813.00 (+3.73%) | $733,600 (+9.67%) Land $330,800 Building $402,800 | |
| 2023 | $7,532.00 | $668,900 Land $289,500 Building $379,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4 Free St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|
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.
The area around 4 Free St 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.
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 |
| 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.
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 |
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