40 Howard St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 40 Howard St, Saugus, MA 01906 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	3 Baths
Year Built	Built 1983
Square Footage	1,979 sqft Living Area
Lot Size	22,481 sqft (0.516 acres)
Occupancy	Owner Occupied
Last Sale	$225,000 (1997)
Tax Bill	$7,447.00 (2025)

Owner

Source: Essex County and Saugus Town records · APN SAUG M:010-B B:0005 L:0003

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	40 HOWARD ST, SAUGUS, MA 01906-4012
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 15, 1997 · Amount on Record
Deed Sale	Aug 15, 1997 · Amount on Record
Deed Book / Page	14265 / 556
Record Refreshed	Sep 20, 2026

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	$7,447.00 (+6.02%)	$697,300 (+5.73%) Land $331,000 Building $366,300	$641,345
2024	$7,024.00 (+2.84%)	$659,500 (+8.72%) Land $300,900 Building $358,600
2023	$6,830.00	$606,600 Land $270,900 Building $335,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Essex County (25009C), updated July 10, 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
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`SAUG M:010-B B:0005 L:0003`
Alternative APNs	`M:010=B B:0005 L:0003` `2523014`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Building Area	1,979 sqft Living Area
Gross Area	4,868 sqft Gross Area
1st Floor	1,052 sqft 1st Floor
Basement Area	1,052 sqft Basement
Unfinished Basement	1,052 sqft Unfinished
Stories	2 Stories

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Cape Cod Style
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Frame Construction
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	22,481 sqft (0.516 acres)
Garage Type	Attached Garage

Utilities and HVAC

Heating System	Hot Water Heating
Heating Fuel	Gas Heating Fuel

Location & Zoning

Account Number	2523014
Street Address	40 HOWARD ST
City	SAUGUS
State	MA
Zip	01906-4012
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Subdivision	CITY GARDENS
Legal Block	5
Legal Lot Number	3
Jurisdiction	SAUGUS MA
Minor Civil Division	SAUGUS
Census Blockgroup	1
Census Block	1020
Census Tract	208402