48 Gates Rd, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 48 Gates Rd, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,974 sqft · built 1962
Lot Size	0.184 acres (8,002 sqft)
Owner	2 Individual Names on Record
Last Sale	$735,000 (Apr 2022)
Tax Bill	$6,760 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Oct 2021 Sale & Construction Loan
Flood Zone	Zone AE (high risk)
APN	`SAUG M:005-H B:0007 L:0004`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:005-H B:0007 L:0004`
Alternative APNs	`M:005=H B:0007 L:0004` `4211014`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,974 sqft Living Area
Gross Area	2,510 sqft
1st Floor Area	1,000 sqft
Basement Area	1,078 sqft
Unfinished Basement	248 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,002 sqft (0.184 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	4211014
Street Address	48 GATES RD
City	SAUGUS
State	MA
Zip	01906-1830
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	7
Legal Lot Number	4
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	4
Census Block	4000
Census Tract	208101

Owner

Source: Essex County and Saugus Town records, as of July 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	48 GATES RD, SAUGUS, MA 01906-1830
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage EAGLE BANK
Oct 1, 2021	Deed, Construction Loan · Construction Mortgage APEX CAPITAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2022 · Amount on Record
Deed Sale	Apr 29, 2022 · Amount on Record
Prior Sale	Oct 1, 2021 · Amount on Record
Deed Document Number	20224110
Deed Book / Page	40900 / 315
Record Updated	Sep 20, 2026

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Apr 29, 2022
Property Address	48 GATES RD, SAUGUS, MA 01906-1830
Document Number	040900-315
Book / Page	40900 / 315
Instrument Date	Apr 29, 2022
Instrument	20220429004110
Transaction Type	Transfer
Record Updated	May 13, 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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	48 GATES RD, SAUGUS, MA 01906-1830

Mortgage

Document Number	220429004120
Date	Apr 29, 2022
Instrument	220429004120

Lender

Name	EAGLE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.13%
Type Change Date	May 1, 2029
Max Rate At Change	2.88%
Index	1-Year CMT

October 2021: Deed, Construction Loan

Document Type	Deed
Jurisdiction	SAUGUS MA
Recording Date	Oct 1, 2021
Property Address	48 GATES RD, SAUGUS, MA 01906-1830
Document Number	40342-5
Book / Page	40342 / 5
Instrument Date	Sep 30, 2021
Instrument	20211001005360
Transaction Type	Construction Loan
Record Updated	Oct 15, 2021

Transaction

Amount	Amount Recorded
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	48 GATES RD, SAUGUS, MA 01906-1830

Mortgage

Document Number	211001005370
Date	Oct 1, 2021
Instrument	211001005370

Lender

Name	APEX CAPITAL LLC

Agreement

Type	Construction 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
2025	$6,760.00 (+2.95%)	$633,000 (+2.68%) Land $325,600 Building $307,400	$732,070
2024	$6,566.00 (+11.48%)	$616,500 (+17.86%) Land $316,800 Building $299,700
2023	$5,890.00	$523,100 Land $277,200 Building $245,900

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 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 Record median of 103 individual policies
Nearby Flood Policies	109 units insured incl. 6 condo units
Nearby Flood Claims	35 (1979–2025)
Claims Outside the SFHA	8 of 35
Most Recent Claim	Jan 2025 · other causes
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 claims Severe Storms And Flooding, May 2006 · 4 claims Extreme Weather Conditons And Flooding, Oct 1996 · 6 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

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 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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