46 Summer St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 46 Summer St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,835 sqft · built 1890
Lot Size	0.318 acres (13,865 sqft)
Owner	Individual Name on Record
Last Sale	$545,000 (May 2019)
Tax Bill	$8,802 (2026)
Deeds & Mortgages	Mar 2026 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:009-E B:0003 L:0023`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:009-E B:0003 L:0023`
Alternative APNs	`M:009=E B:0003 L:0023` `5742022`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	3 Stories
Building Area	3,835 sqft Living Area
Gross Area	5,043 sqft
1st Floor Area	1,145 sqft
Basement Area	2,290 sqft
Finished Basement	1,145 sqft
Unfinished Basement	1,145 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,865 sqft (0.318 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	5742022
Street Address	46 SUMMER ST
City	SAUGUS
State	MA
Zip	01906-2139
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	3
Legal Lot Number	23
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1000
Census Tract	208301

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	Individual Name on Record
Mailing Address	46 SUMMER ST, SAUGUS, MA 01906-2139
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2026	Deed of Trust, Mortgage EASTERN BANK
May 31, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SANTANDER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2019 · Amount on Record
Deed Sale	May 31, 2019 · Amount on Record
Prior Sale	Sep 16, 2005 · Amount on Record
Deed Document Number	20197660
Deed Book / Page	37555 / 585
Prior Transfer Date	May 22, 2019
Prior Transfer Doc	37555-585
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	46 SUMMER ST, SAUGUS, MA 01906-2139
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043265-67
Date	Mar 11, 2026
Book Page	43265/67
Instrument	10

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	May 31, 2019
Property Address	46 SUMMER ST, SAUGUS, MA 01906-2139
Document Number	37555-585
Book / Page	37555 / 585
Instrument Date	May 22, 2019
Instrument	20190531007660
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Address	46 SUMMER ST, SAUGUS, MA 01906-2139

Mortgage

Document Number	190531007670
Date	May 31, 2019
Instrument	190531007670

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$8,802.00 (+2.15%)	$844,700 (+4.7%) Land $380,100 Building $457,700	$851,895 (-7.22%)
2025	$8,617.00 (+15.37%)	$806,800 (+15.04%) Land $347,300 Building $459,500	$918,175
2024	$7,469.00 (+1.84%)	$701,300 (+7.68%) Land $337,900 Building $363,400
2023	$7,334.00	$651,300 Land $295,700 Building $355,600

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 98% of the US · lower than 96% 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 171 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Verizon.

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