5 Grove St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 5 Grove St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,256 sqft · built 1900
Lot Size	0.104 acres (4,530 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Feb 2019)
Tax Bill	$5,797 (2026)
Deeds & Mortgages	Nov 2023 Refinance Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:005-E B:0013 L:0026`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:005-E B:0013 L:0026`
Alternative APNs	`M:005=E B:0013 L:0026` `9186016`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,256 sqft Living Area
Gross Area	2,803 sqft
1st Floor Area	640 sqft
Basement Area	631 sqft
Unfinished Basement	631 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	4,530 sqft (0.104 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	9186016
Street Address	5 GROVE ST
City	SAUGUS
State	MA
Zip	01906-4329
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	13
Legal Lot Number	26
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2014
Census Tract	208101

Owner

5 Grove St is owned and occupied by two individuals who bought it in February 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	5 GROVE ST, SAUGUS, MA 01906-4329
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Date	Document
Nov 16, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance FEDERAL SAVINGS BANK
Apr 2, 2020	Deed of Trust, Mortgage · FHA Mortgage FIRST GUARANTY MORTGAGE
Feb 1, 2019	Quit Claim Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2019 · Amount on File
Deed Sale	Feb 1, 2019 · Amount on File
Prior Sale	May 5, 2009 · Amount on File
Deed Document Number	20193220
Deed Book / Page	37309 / 242
Prior Transfer Date	Jan 24, 2019
Prior Transfer Doc	37309-242
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	5 GROVE ST, SAUGUS, MA 01906-4329
Transaction Type	Mortgage
Record Updated	Dec 8, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041863-582
Date	Nov 16, 2023
Book Page	41863/582
Instrument	20231116003760

Lender

Name	FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	5 GROVE ST, SAUGUS, MA 01906-4329
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38390-326
Date	Apr 2, 2020
Book Page	38390/326
Instrument	20200402002110

Lender

Name	FIRST GUARANTY MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Feb 1, 2019
Property Address	5 GROVE ST, SAUGUS, MA 01906-4329
Document Number	37309-242
Book / Page	037309 / 000242
Instrument Date	Jan 24, 2019
Instrument	1003220
Transaction Type	Transfer
Record Updated	Feb 19, 2019

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,664.40
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 GROVE ST SAUGUS MA 019064329, SAUGUS, MA 01906-4329

Mortgage

Document Number	37309-244
Date	Feb 1, 2019
Book Page	037309/000244
Instrument	1003230

Lender

Name	GUARANTEED RATE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 31, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 5 Grove St was $5,797, up 3.6% 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	$5,797.00 (+3.55%)	$556,300 (+6.12%) Land $325,400 Building $227,800	$580,558 (+12.98%)
2025	$5,598.00 (+4.44%)	$524,200 (+4.15%) Land $295,900 Building $228,300	$513,855
2024	$5,360.00 (+2.82%)	$503,300 (+8.7%) Land $278,900 Building $224,400
2023	$5,213.00	$463,000 Land $245,100 Building $217,900

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

Flood

FEMA maps place 5 Grove St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

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

The area around 5 Grove 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 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.

Nearby Properties on Grove St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures