4 Howard St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 4 Howard St, Saugus, MA 01906

Property Summary

Property Type	Regional Shopping Center, Mall
Details	2 ba · 5,010 sqft · built 1959
Lot Size	0.19 acres (8,272 sqft)
Owner	Company Name on Record
Tax Bill	$16,081 (2026)
Deeds & Mortgages	Feb 2022 Refinance Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:010-B B:0013 L:0001`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:010-B B:0013 L:0001`
Alternative APNs	`M:010=B B:0013 L:0001` `4816009`

Interior

Full Baths	2 Baths
Half Baths	4 Half Baths
Units	6 Units
Stories	1 Story
Building Area	5,010 sqft Total Area

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Concrete Block
Roof Type	Flat
Roof Material	Other
Lot Area	8,272 sqft (0.19 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4816009
Street Address	4 HOWARD ST
City	SAUGUS
State	MA
Zip	01906-2398
Property Category	Commercial
Property Type	Commercial > Retail > Regional Shopping Center, Mall
Local Zoning Code	NA
Legal Block	13
Legal Lot Number	1
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1019
Census Tract	208402

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	Company Name on Record
Mailing Address	4 HOWARD ST, SAUGUS, MA 01906-2398
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance SAVINGS BANK TRUST
Jan 15, 2020	Deed of Trust, Mortgage EAST BOSTON SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	4 HOWARD ST, SAUGUS, MA 01906-2398
Transaction Type	Mortgage
Record Updated	Feb 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000633747
Date	Feb 10, 2022
Instrument	633747

Lender

Name	SAVINGS BANK TRUST
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	4 HOWARD ST, SAUGUS, MA 01906-2398
Document Number	0000609289
Instrument Date	Jan 15, 2020
Transaction Type	Mortgage
Record Updated	Feb 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	21 JUNIPER DR SAUGUS MA 019063138, SAUGUS, MA 01906-3138

Mortgage

Document Number	0000609289
Date	Jan 15, 2020
Instrument	609289

Lender

Name	EAST BOSTON SVGS BK
Type	Federal Savings Bank

Agreement

Amount	Amount Recorded

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
2026	$16,081.00 (+1.23%)	$755,700 (+4.47%) Land $362,300 Building $386,600
2025	$15,886.00 (+2.98%)	$723,400 (+3.4%) Land $344,200 Building $379,200
2024	$15,426.00 (+2.66%)	$699,600 (+8.67%) Land $332,100 Building $367,500
2023	$15,026.00	$643,800 Land $301,900 Building $341,900

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

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 170 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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