45 Mount Vernon St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,232 sqft · built 1920
Lot Size	0.137 acres (5,955 sqft)
Owner	2 Individual Names on Record
Last Sale	$571,000 (Nov 2022)
Tax Bill	$6,620 (2026)
Deeds & Mortgages	Oct 2021 Refinance Nov 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:004-E B:0002 L:0002`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:004-E B:0002 L:0002`
Alternative APNs	`M:004=E B:0002 L:0002` `5861031`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	2,232 sqft Living Area
Gross Area	3,472 sqft
1st Floor Area	839 sqft
Basement Area	839 sqft
Unfinished Basement	285 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,955 sqft (0.137 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	5861031
Street Address	45 MOUNT VERNON ST
City	SAUGUS
State	MA
Zip	01906-4315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	2
Legal Lot Number	2
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2022
Census Tract	208101

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	45 MOUNT VERNON ST, SAUGUS, MA 01906-4315
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Nov 30, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK
Oct 28, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance ROCKET MORTGAGE
Jun 26, 2017	Quit Claim Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2022 · Amount on Record
Deed Sale	Nov 30, 2022 · Amount on Record
Prior Sale	Oct 15, 1991 · Amount on Record
Deed Document Number	20224850
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	45 MOUNT VERNON ST, SAUGUS, MA 01906-4315
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040425-97
Date	Oct 28, 2021
Book Page	40425/97
Instrument	20211028002140

Lender

Name	ROCKET MORTGAGE

Agreement

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

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Nov 30, 2022
Property Address	45 MOUNT VERNON ST, SAUGUS, MA 01906-4315
Document Number	041328-130
Book / Page	41328 / 130
Instrument Date	Nov 30, 2022
Instrument	20221130004850
Transaction Type	Transfer
Record Updated	Dec 16, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	45 MOUNT VERNON ST, SAUGUS, MA 01906-4315

Mortgage

Document Number	221130004860
Date	Nov 30, 2022
Instrument	221130004860

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Oct 28, 2021
Property Address	45 MOUNT VERNON ST, SAUGUS, MA 01906-4315
Document Number	40425-93
Book / Page	40425 / 93
Instrument Date	Oct 8, 2021
Instrument	20211028002130
Transaction Type	Transfer
Record Updated	Nov 19, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	45 MOUNT VERNON ST, SAUGUS, MA 01906-4315

Mortgage

Document Number	40425-97
Date	Oct 28, 2021
Book Page	40425/97
Instrument	20211028002140

Lender

Name	ROCKET MORTGAGE

Agreement

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

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jun 26, 2017
Property Address	45 MOUNT VERNON ST, SAUGUS, MA 01906-4315
Document Number	35970-480
Book / Page	035970 / 000480
Instrument Date	Jun 20, 2017
Instrument	1706260364
Transaction Type	Transfer
Record Updated	Jul 19, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	45 MOUNT VERNON ST SAUGUS MA 019064315, SAUGUS, MA 01906-4315

Mortgage

Document Number	35970-482
Date	Jun 26, 2017
Book Page	035970/000482
Instrument	1706260365

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.38%

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	$6,620.00 (+3.31%)	$635,300 (+5.88%) Land $330,900 Building $292,800	$704,581 (+5.64%)
2025	$6,408.00 (+4.3%)	$600,000 (+4%) Land $300,800 Building $299,200	$666,995
2024	$6,144.00 (+3.56%)	$576,900 (+9.49%) Land $283,700 Building $293,200
2023	$5,933.00	$526,900 Land $249,300 Building $277,600

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 Policies	1 in force
Nearby Flood Claims	3 (1979–1984)
Most Recent Claim	Jun 1984 · tidal / storm surge

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	REVERE WATER DIVISION (MWRA) serves 62,186 people · EPA ID MA3248000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jun 2025
Also Mapped Here	SAUGUS WATER DEPT. (MWRA)
Lead	8 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	2 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.

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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