405 Lincoln Ave, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 405 Lincoln Ave, Saugus, MA 01906

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,430 sqft · built 1890
Lot Size	0.182 acres (7,915 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Jan 2014)
Tax Bill	$7,397 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:005-F B:0006 L:0001`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:005-F B:0006 L:0001`
Alternative APNs	`M:005=F B:0006 L:0001` `4361032`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Units	2 Units
Stories	3 Stories
Building Area	2,430 sqft Living Area
Gross Area	4,084 sqft
1st Floor Area	1,031 sqft
Basement Area	940 sqft
Unfinished Basement	940 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,915 sqft (0.182 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	4361032
Street Address	405 LINCOLN AVE
City	SAUGUS
State	MA
Zip	01906-3764
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	NA
Legal Block	6
Legal Lot Number	1
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2023
Census Tract	208101

Owner

405 Lincoln Ave, a duplex, is owned and occupied by an individual who bought it in January 2014.

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

Owner of Record	Individual Name on File
Mailing Address	405 LINCOLN AVE, SAUGUS, MA 01906-3764
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 29, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2014 · Amount on File
Deed Sale	Jan 31, 2014 · Amount on File
Prior Sale	Oct 30, 2009 · Amount on File
Deed Book / Page	33099 / 151
Transfer Doc	033099-151
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	405 LINCOLN AVE, SAUGUS, MA 01906-3764
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039711-204
Date	Mar 31, 2021
Book Page	39711/204
Instrument	20210331001290

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	289 Months
Due	Apr 1, 2045

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	405 LINCOLN AVE, SAUGUS, MA 01906-3764
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041157-462
Date	Aug 29, 2022
Book Page	41157/462

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 405 Lincoln Ave was $7,397, up 2.6% from the year before.

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	$7,397.00 (+2.59%)	$709,900 (+5.15%) Land $320,900 Building $383,800	$703,202
2025	$7,210.00 (+5.32%)	$675,100 (+5.02%) Land $290,100 Building $385,000
2024	$6,846.00 (+0.88%)	$642,800 (+6.65%) Land $263,700 Building $379,100
2023	$6,786.00	$602,700 Land $237,400 Building $365,300

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

Flood

FEMA maps place 405 Lincoln Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

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
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

The area around 405 Lincoln Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, T-Mobile, Verizon.

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