45 Bristow St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 45 Bristow St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,051 sqft · built 1915
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Individual Names on File
Last Sale	$239,000 (Aug 1998)
Tax Bill	$6,778 (2026)
Deeds & Mortgages	Mar 2026 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`SAUG M:004-G B:0011 L:0006`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:004-G B:0011 L:0006`
Alternative APNs	`M:004=G B:0011 L:0006` `2475019`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,051 sqft Living Area
Gross Area	3,723 sqft
1st Floor Area	1,391 sqft
Basement Area	1,391 sqft
Unfinished Basement	1,391 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,001 sqft (0.23 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2475019
Street Address	45 BRISTOW ST
City	SAUGUS
State	MA
Zip	01906-2835
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	11
Legal Lot Number	6
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	4
Census Block	4020
Census Tract	208102

Owner

45 Bristow St is owned and occupied by two individuals who bought it in August 1998.

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

Owner of Record	2 Individual Names on File
Mailing Address	45 BRISTOW ST, SAUGUS, MA 01906-2835
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	Aug 27, 1998 · Amount on File
Deed Sale	Aug 27, 1998 · Amount on File
Deed Book / Page	15049 / 179
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	45 BRISTOW ST, SAUGUS, MA 01906-2835
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	043303-187
Date	Mar 31, 2026
Book Page	43303/187
Instrument	20260331000070

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 45 Bristow St was $6,778, up 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	$6,778.00 (+10.03%)	$650,500 (+12.78%) Land $364,500 Building $283,900	$710,411 (+2.51%)
2025	$6,160.00 (+2.74%)	$576,800 (+2.45%) Land $333,000 Building $243,800	$693,025
2024	$5,996.00 (+3.27%)	$563,000 (+9.19%) Land $324,000 Building $239,000
2023	$5,806.00	$515,600 Land $283,500 Building $232,100

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

Flood

FEMA maps place 45 Bristow St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 87 individual policies
Nearby Flood Policies	95 units insured incl. 8 condo units
Nearby Flood Claims	103 (1978–2024)
Claims Outside the SFHA	7 of 103
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Severe Storms And Flooding, May 2006 · 10 claims Extreme Weather Conditons And Flooding, Oct 1996 · 11 claims Coastal Storm, Oct 1991 · 7 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

The area around 45 Bristow St 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 577 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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