40 School St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 823 sqft · built 1940
Lot Size	0.115 acres (5,001 sqft)
Owner	Individual Name on Record
Last Sale	$137,500 (May 1999)
Tax Bill	$4,928 (2026)
Deeds & Mortgages	May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:006-E B:0013 L:0005`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:006-E B:0013 L:0005`
Alternative APNs	`M:006=E B:0013 L:0005` `5603029`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	823 sqft Living Area
Gross Area	1,803 sqft
1st Floor Area	628 sqft
Basement Area	628 sqft
Unfinished Basement	628 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,001 sqft (0.115 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	5603029
Street Address	40 SCHOOL ST
City	SAUGUS
State	MA
Zip	01906-3757
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Subdivision	BUILDING 128
Legal Block	13
Legal Lot Number	5
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2005
Census Tract	208101

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	Individual Name on Record
Mailing Address	40 SCHOOL ST, SAUGUS, MA 01906-3757
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 1999 · Amount on Record
Deed Sale	May 3, 1999 · Amount on Record
Deed Book / Page	15647 / 400
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	40 SCHOOL ST, SAUGUS, MA 01906-3757
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35904-503
Date	May 31, 2017
Book Page	35904/503
Instrument	376

Lender

Name	WEBSTER FIRST FCU
Type	Credit Union

Agreement

Type	Line of Credit
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	Assessed Market Value
2026	$4,928.00 (+4.3%)	$472,900 (+6.89%) Land $344,300 Building $128,600	$446,748 (+3.97%)
2025	$4,725.00 (+2.92%)	$442,400 (+2.62%) Land $314,500 Building $127,900	$429,685
2024	$4,591.00 (+3.75%)	$431,100 (+9.69%) Land $306,000 Building $125,100
2023	$4,425.00	$393,000 Land $267,800 Building $125,200

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 X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1979–1984)
Most Recent Claim	Jun 1984 · tidal / storm surge

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	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.

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 554 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20