41 Western Ave, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 41 Western Ave, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,411 sqft · built 1925
Lot Size	0.344 acres (15,002 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Mar 2017)
Tax Bill	$6,004 (2026)
Deeds & Mortgages	Dec 2021 Refinance Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:004-F B:0005 L:0010`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:004-F B:0005 L:0010`
Alternative APNs	`M:004=F B:0005 L:0010` `6031003`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,411 sqft Living Area
Gross Area	2,037 sqft
1st Floor Area	627 sqft
Basement Area	627 sqft
Unfinished Basement	313 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,002 sqft (0.344 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	6031003
Street Address	41 WESTERN AVE
City	SAUGUS
State	MA
Zip	01906-3874
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	5
Legal Lot Number	10
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2002
Census Tract	208102

Owner

41 Western Ave is owned and occupied by two individuals who bought it in March 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	41 WESTERN AVE, SAUGUS, MA 01906-3874
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Dec 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MSA LENDING LLC
Mar 29, 2017	Quit Claim Deed, Transfer EAST BOSTON SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2017 · Amount on File
Deed Sale	Mar 29, 2017 · Amount on File
Prior Sale	Jun 30, 2008 · Amount on File
Deed Book / Page	35762 / 387
Transfer Doc	035762-387
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	41 WESTERN AVE, SAUGUS, MA 01906-3874
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040600-181
Date	Dec 22, 2021
Book Page	40600/181
Instrument	20211222002770

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2042

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Mar 29, 2017
Property Address	41 WESTERN AVE, SAUGUS, MA 01906-3874
Document Number	35762-387
Book / Page	35762 / 387
Instrument	164
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$36.96
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

Mortgage

Date	Mar 29, 2017

Lender

Name	EAST BOSTON SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 29, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 41 Western Ave was $6,004, up 4.1% 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	$6,004.00 (+4.09%)	$576,200 (+6.68%) Land $365,800 Building $202,500	$627,630 (+19.62%)
2025	$5,768.00 (+4.74%)	$540,100 (+4.45%) Land $332,500 Building $207,600	$524,685
2024	$5,507.00 (+3.53%)	$517,100 (+9.46%) Land $313,500 Building $203,600
2023	$5,319.00	$472,400 Land $275,500 Building $196,900

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

Flood

FEMA maps place 41 Western Ave in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1978.

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	3 in force
Nearby Flood Claims	6 (1978–2023)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Aug 2023 · other causes
Claims by Event	Severe Storms And Flooding, May 2006 · 2 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

Wildfire risk around 41 Western Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% 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 623 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband, Netafy.

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