44 Birch St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 44 Birch St, Saugus, MA 01906

Property Summary

Property Type	Duplex
Details	7 bd · 3.5 ba · 5,441 sqft · built 1989
Lot Size	0.347 acres (15,137 sqft)
Owner	2 Individual Names on Record
Last Sale	$590,000 (Sep 2016)
Tax Bill	$11,913 (2026)
Deeds & Mortgages	Nov 2021 Refinance Nov 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:006-F B:0007 L:0004`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:006-F B:0007 L:0004`
Alternative APNs	`M:006=F B:0007 L:0004` `1392026`

Interior

Bedrooms	7 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Units	2 Units
Stories	2 Stories
Building Area	5,441 sqft Living Area
Gross Area	7,466 sqft
1st Floor Area	1,870 sqft
Basement Area	2,237 sqft
Unfinished Basement	1,208 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,137 sqft (0.347 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	1392026
Street Address	44 BIRCH ST
City	SAUGUS
State	MA
Zip	01906-3740
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	NA
Legal Block	7
Legal Lot Number	4
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1007
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	2 Individual Names on Record
Mailing Address	44 BIRCH ST, SAUGUS, MA 01906-3740
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Nov 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Apr 19, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jun 19, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2016 · Amount on Record
Deed Sale	Sep 23, 2016 · Amount on Record
Deed Book / Page	35290 / 4
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	44 BIRCH ST, SAUGUS, MA 01906-3740
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040483-592
Date	Nov 15, 2021
Book Page	40483/592
Instrument	20211115004060

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	44 BIRCH ST, SAUGUS, MA 01906-3740
Transaction Type	Mortgage
Record Updated	Dec 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40483-592
Date	Nov 15, 2021
Book Page	40483/592
Instrument	20211115004060

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	44 BIRCH ST, SAUGUS, MA 01906-3740
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36658-258
Date	Apr 19, 2018
Book Page	36658/258
Instrument	180419003200

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	44 BIRCH ST, SAUGUS, MA 01906-3740
Document Number	37651-389
Instrument Date	Jun 19, 2019
Transaction Type	Mortgage
Record Updated	Jul 23, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 BIRCH ST SAUGUS MA 019063740, SAUGUS, MA 01906-3740

Mortgage

Document Number	37651-389
Date	Jul 9, 2019
Book Page	037651/000389
Instrument	9002860

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$11,913.00 (+1.13%)	$1,143,300 (+3.65%) Land $366,300 Building $776,400	$1,102,534
2025	$11,780.00 (+2.84%)	$1,103,000 (+2.55%) Land $333,000 Building $770,000
2024	$11,455.00 (+5.67%)	$1,075,600 (+11.73%) Land $313,900 Building $761,700
2023	$10,840.00	$962,700 Land $275,900 Building $686,800

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 1998 · Heavy Rains And Flooding

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 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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