40 Saugus Ave, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 40 Saugus Ave, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 768 sqft · built 1907
Lot Size	0.172 acres (7,501 sqft)
Owner	Individual Name on Record
Last Sale	$236,400 (Sep 2017)
Tax Bill	$4,789 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Nov 2021 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`SAUG M:003-F B:0003 L:0003`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:003-F B:0003 L:0003`
Alternative APNs	`M:003=F B:0003 L:0003` `7450006`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	768 sqft Living Area
Gross Area	1,626 sqft
1st Floor Area	768 sqft
Basement Area	708 sqft
Unfinished Basement	708 sqft

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1907
Architectural Style	Bungalow
Exterior Material	Asbestos
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,501 sqft (0.172 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	7450006
Street Address	40 SAUGUS AVE
City	SAUGUS
State	MA
Zip	01906-3080
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	3
Legal Lot Number	3
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	4
Census Block	4015
Census Tract	208102

Owner

Source: Essex County and Saugus Town records, as of July 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	40 SAUGUS AVE, SAUGUS, MA 01906-3080
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 23, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Nov 23, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Sep 25, 2017	Quit Claim Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2017 · Amount on Record
Deed Sale	Sep 25, 2017 · Amount on Record
Deed Book / Page	36200 / 346
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	40 SAUGUS AVE, SAUGUS, MA 01906-3080
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039956-358
Date	Jun 7, 2021
Book Page	39956/358
Instrument	20210607006380

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	313 Months
Due	Jul 1, 2047

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	40 SAUGUS AVE, SAUGUS, MA 01906-3080
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00040512-1
Date	Nov 23, 2021
Book Page	40512/1
Instrument	20211123000900

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2046

Interest

Rate Type	Adjustable Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	40 SAUGUS AVE, SAUGUS, MA 01906-3080
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40512-1
Date	Nov 23, 2021
Book Page	40512/1
Instrument	20211123000900

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2046

Interest

Rate Type	Adjustable Rate

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Sep 25, 2017
Property Address	40 SAUGUS AVE, SAUGUS, MA 01906-3080
Document Number	36200-346
Book / Page	036200 / 000346
Instrument Date	Sep 22, 2017
Instrument	1709250210
Transaction Type	Transfer
Record Updated	Oct 17, 2017

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,077.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 SAUGUS AVE SAUGUS MA 019063080, SAUGUS, MA 01906-3080

Mortgage

Document Number	36200-348
Date	Sep 25, 2017
Book Page	036200/000348
Instrument	1709250211

Lender

Name	GUARANTEED RATE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2047

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	Assessed Market Value
2025	$4,789.00 (+5.14%)	$448,400 (+4.84%) Land $306,300 Building $142,100	$396,530
2024	$4,555.00 (+3.03%)	$427,700 (+8.94%) Land $288,800 Building $138,900
2023	$4,421.00	$392,600 Land $253,800 Building $138,800

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

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 87 individual policies
Nearby Flood Policies	95 units insured incl. 8 condo units
Nearby Flood Claims	103 (1978–2024)
Claims Outside the SFHA	7 of 103
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Severe Storms And Flooding, May 2006 · 10 claims Extreme Weather Conditons And Flooding, Oct 1996 · 11 claims Coastal Storm, Oct 1991 · 7 claims

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 95% of the US · lower than 90% 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 199 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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