40 Susan Dr, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,524 sqft · built 1989
Lot Size	0.23 acres (10,001 sqft)
Owner	Individual Name on Record
Last Sale	$590,000 (Jan 2018)
Tax Bill	$8,505 (2026)
Deeds & Mortgages	Jul 2024 Line of Credit Jun 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:012-E B:0006 L:0027`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:012-E B:0006 L:0027`
Alternative APNs	`M:012=E B:0006 L:0027` `2178018`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,524 sqft Living Area
Gross Area	2,994 sqft
1st Floor Area	1,474 sqft
Basement Area	1,400 sqft
Unfinished Basement	350 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Split Foyer
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,001 sqft (0.23 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2178018
Street Address	40 SUSAN DR
City	SAUGUS
State	MA
Zip	01906-1238
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	6
Legal Lot Number	27
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2005
Census Tract	208301

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 SUSAN DR, SAUGUS, MA 01906-1238
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2024	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Jun 22, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance WELLS FARGO BANK NA
Jan 24, 2018	Quit Claim Deed, Transfer WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2018 · Amount on Record
Deed Sale	Jan 24, 2018 · Amount on Record
Prior Sale	Oct 2, 2003 · Amount on Record
Deed Book / Page	36489 / 522
Last Transfer Date	Jun 15, 2021
Transfer Doc	040003-318
Record Updated	Oct 29, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	40 SUSAN DR, SAUGUS, MA 01906-1238
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042243-98
Date	Jul 30, 2024
Book Page	42243/98
Instrument	20240730000050

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jun 22, 2021
Property Address	40 SUSAN DR, SAUGUS, MA 01906-1238
Document Number	040003-318
Book / Page	40003 / 318
Instrument Date	Jun 15, 2021
Instrument	20210622002030
Transaction Type	Transfer
Record Updated	Jul 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 SUSAN DR, SAUGUS, MA 01906-1238

Mortgage

Document Number	20210622002040
Date	Jun 22, 2021
Instrument	20210622002040

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jan 24, 2018
Property Address	40 SUSAN DR, SAUGUS, MA 01906-1238
Document Number	036489-522
Book / Page	36489 / 522
Instrument	180124002900
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60.67
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	40 SUSAN DR, SAUGUS, MA 01906-1238

Mortgage

Document Number	0364890528
Date	Jan 24, 2018
Instrument	36489/0528

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 24, 2048

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	$8,505.00 (+4.42%)	$816,200 (+7.03%) Land $391,500 Building $423,700	$896,409 (+10.37%)
2025	$8,145.00 (+3.57%)	$762,600 (+3.28%) Land $355,500 Building $407,100	$812,155
2024	$7,864.00 (+2.85%)	$738,400 (+8.75%) Land $342,000 Building $396,400
2023	$7,646.00	$679,000 Land $310,500 Building $368,500

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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 121 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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