41 Spencer Ave, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 41 Spencer Ave, Saugus, MA 01906 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1 Baths
Year Built	Built 1954
Square Footage	1,189 sqft Living Area
Lot Size	31,193 sqft (0.716 acres)
Occupancy	Owner Occupied
Last Sale	$230,000 (2015)
Tax Bill	$6,139.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`SAUG M:007-H B:0005 L:0001`
Alternative APNs	`M:007=H B:0005 L:0001` `9498026`

Interior

Bedrooms	2 Beds
Full Baths	1 Baths
Total Rooms	6 Rooms
Building Area	1,189 sqft Living Area
Gross Area	4,212 sqft Gross Area
1st Floor	1,189 sqft 1st Floor
Basement Area	1,469 sqft Basement
Unfinished Basement	1,469 sqft Unfinished
Stories	1 Stories

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch Style
Exterior Material	Wood Siding Exterior
Construction Type	Frame Construction
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	31,193 sqft (0.716 acres)

Utilities and HVAC

Heating System	Hot Water Heating
Heating Fuel	Oil Heating Fuel

Location & Zoning

Account Number	9498026
Street Address	41 SPENCER AVE
City	SAUGUS
State	MA
Zip	01906-1721
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	5
Legal Lot Number	1
Jurisdiction	SAUGUS MA
Minor Civil Division	SAUGUS
Census Blockgroup	1
Census Block	1001
Census Tract	208102

Owner

Source: Essex County and Saugus Town records · APN SAUG M:007-H B:0005 L:0001

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	41 SPENCER AVE, SAUGUS, MA 01906-1721
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	Oct 06, 2015 · Amount on Record
Deed Sale	Oct 06, 2015 · Amount on Record
Prior Sale	Aug 18, 2014 · Amount on Record
Deed Book / Page	34426 / 530
Record Refreshed	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	41 SPENCER AVE, SAUGUS, MA 01906-1721
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041103-444
Date	Aug 01, 2022
Book Page	41103/444
Instrument	20220801004010

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2052

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	$6,139.00 (+6.43%)	$574,800 (+6.13%) Land $334,400 Building $240,400	$541,975
2024	$5,768.00 (+1.5%)	$541,600 (+7.31%) Land $304,200 Building $237,400
2023	$5,683.00	$504,700 Land $274,200 Building $230,500

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 AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	10.0 ft

Wildfire

Wildfire Risk	Not exposed less than 1% of the US · less than 1% of Massachusetts
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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