45 Birch Pond Dr, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 45 Birch Pond Dr, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,599 sqft · built 1999
Lot Size	0.479 acres (20,870 sqft)
Owner	2 Individual Names on File
Last Sale	$670,000 (Mar 2004)
Tax Bill	$11,360 (2026)
Deeds & Mortgages	Sep 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:013-E B:0006 L:0016`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:013-E B:0006 L:0016`
Alternative APNs	`M:013=E B:0006 L:0016` `94023205`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,599 sqft Living Area
Gross Area	4,935 sqft
1st Floor Area	1,727 sqft
Basement Area	1,709 sqft
Unfinished Basement	667 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,870 sqft (0.479 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	94023205
Street Address	45 BIRCH POND DR
City	SAUGUS
State	MA
Zip	01906-1291
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	6
Legal Lot Number	16
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1012
Census Tract	208302

Owner

45 Birch Pond Dr is owned and occupied by two individuals who bought it in March 2004.

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

Owner of Record	2 Individual Names on File
Mailing Address	45 BIRCH POND DR, SAUGUS, MA 01906-1291
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2004 · Amount on File
Deed Sale	Mar 5, 2004 · Amount on File
Deed Book / Page	22478 / 352
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	45 BIRCH POND DR, SAUGUS, MA 01906-1291
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37879-572
Date	Sep 27, 2019
Book Page	37879/572
Instrument	20190927001480

Lender

Name	RTN FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 45 Birch Pond Dr was $11,360, up 2.5% 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	$11,360.00 (+2.5%)	$1,090,200 (+5.06%) Land $500,300 Building $568,800	$1,026,027 (-19.59%)
2025	$11,083.00 (+3.16%)	$1,037,700 (+2.86%) Land $455,300 Building $582,400	$1,276,040
2024	$10,744.00 (+7.71%)	$1,008,800 (+13.87%) Land $440,300 Building $568,500
2023	$9,975.00	$885,900 Land $355,300 Building $530,600

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

Flood

FEMA maps place 45 Birch Pond Dr in Zone X, an area of minimal flood risk.

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

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 45 Birch Pond Dr 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 94% of the US · lower than 86% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20