5 Cave Rock Rd, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 5 Cave Rock Rd, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,942 sqft · built 2004
Lot Size	0.491 acres (21,392 sqft)
Owner	2 Individual Names on File
Last Sale	$1,050,000 (Jul 2023)
Tax Bill	$12,177 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:010-G B:0001 L:0049`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:010-G B:0001 L:0049`
Alternative APN	`M:010=G B:0001 L:0049`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,942 sqft Living Area
Gross Area	8,873 sqft
1st Floor Area	2,715 sqft
Basement Area	2,715 sqft
Unfinished Basement	2,715 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,392 sqft (0.491 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	5 CAVE ROCK RD
City	SAUGUS
State	MA
Zip	01906-1485
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	1
Legal Lot Number	49
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2010
Census Tract	208302

Owner

5 Cave Rock Rd is owned and occupied by two individuals who bought it in July 2023.

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 File
Mailing Address	5 CAVE ROCK RD, SAUGUS, MA 01906-1485
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2023 · Amount on File
Deed Sale	Jul 12, 2023 · Amount on File
Prior Sale	Sep 14, 2004 · Amount on File
Deed Document Number	2023740
Deed Book / Page	41656 / 550
Record Updated	Oct 29, 2026

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jul 12, 2023
Property Address	5 CAVE ROCK RD, SAUGUS, MA 01906-1485
Document Number	041656-550
Book / Page	41656 / 550
Instrument Date	Jul 12, 2023
Instrument	20230712000740
Transaction Type	Transfer
Record Updated	Jul 28, 2023

Transaction

Amount	Amount on Record
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	5 CAVE ROCK RD, SAUGUS, MA 01906-1485

Mortgage

Document Number	230712000750
Date	Jul 12, 2023
Instrument	230712000750

Lender

Name	PRIMELENDING

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 5 Cave Rock Rd was $12,177, up 9.9% 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	$12,177.00 (+9.93%)	$1,168,600 (+12.67%) Land $435,500 Building $733,100	$1,207,000 (+7.65%)
2025	$11,077.00 (+2.57%)	$1,037,200 (+2.29%) Land $395,500 Building $641,700	$1,121,190
2024	$10,799.00 (-0.68%)	$1,014,000 (+5.01%) Land $380,500 Building $633,500
2023	$10,873.00	$965,600 Land $345,500 Building $620,100

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

Flood

FEMA maps place 5 Cave Rock Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2010.

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
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	4 (2010–2024)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Jan 2024 · 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

Wildfire risk around 5 Cave Rock Rd is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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 337 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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