5 Harvard Ave, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 5 Harvard Ave, Saugus, MA 01906

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,224 sqft · built 1910
Lot Size	0.103 acres (4,500 sqft)
Owner	Individual Name on Record
Last Sale	$158,000 (Feb 1992)
Tax Bill	$7,015 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit Feb 2021 Refinance + 2 more
Flood Zone	Zone AE (high risk)
APN	`SAUG M:006-H B:0013 L:0004`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:006-H B:0013 L:0004`
Alternative APNs	`M:006=H B:0013 L:0004` `5338033`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,224 sqft Living Area
Gross Area	3,434 sqft
1st Floor Area	1,178 sqft
Basement Area	1,046 sqft
Unfinished Basement	1,046 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Flat
Roof Material	Other
Lot Area	4,500 sqft (0.103 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5338033
Street Address	5 HARVARD AVE
City	SAUGUS
State	MA
Zip	01906-1707
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	NA
Legal Subdivision	EDISON TERRACE
Legal Block	13
Legal Lot Number	4
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1006
Census Tract	208102

Owner

Source: Essex County and Saugus Town records, as of April 14, 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	5 HARVARD AVE, SAUGUS, MA 01906-1707
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2025	Deed of Trust, Mortgage · Line of Credit BOSTON FIREFIGHTERS CREDIT UNION
Feb 10, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance EAST CAMBRIDGE SAVINGS BANK
Dec 14, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BOSTON FIREFIGHTERS CREDIT UNION
Feb 10, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 1992 · Amount on Record
Deed Sale	Feb 28, 1992 · Amount on Record
Deed Book / Page	11159 / 348
Record Updated	Jun 8, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	5 HARVARD AVE, SAUGUS, MA 01906-1707
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042898-182
Date	Aug 20, 2025
Book Page	42898/182
Instrument	20250820000510

Lender

Name	BOSTON FIREFIGHTERS CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2045

Interest

Rate Type	Adjustable Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	5 HARVARD AVE, SAUGUS, MA 01906-1707
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039512-471
Date	Feb 10, 2021
Book Page	39512/471
Instrument	20210210001630

Lender

Name	EAST CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

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

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	5 HARVARD AVE, SAUGUS, MA 01906-1707
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040572-483
Date	Dec 14, 2021
Book Page	40572/483
Instrument	20211214001640

Lender

Name	BOSTON FIREFIGHTERS CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2053

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Feb 10, 2021
Property Address	5 HARVARD AVE, SAUGUS, MA 01906-1707
Document Number	039512-469
Book / Page	39512 / 469
Instrument Date	Feb 4, 2021
Instrument	20210210001620
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Address	5 HARVARD AVE, SAUGUS, MA 01906-1707

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
2025	$7,015.00 (+5.71%)	$656,800 (+5.41%) Land $278,900 Building $377,900
2024	$6,636.00 (+4.09%)	$623,100 (+10.05%) Land $253,500 Building $369,600
2023	$6,375.00	$566,200 Land $228,200 Building $338,000

Assessed value is set for property tax purposes and is not a market price estimate.

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 46 policies
Nearby Flood Policies	46 in force
Nearby Flood Claims	58 (1978–2024)
Claims Outside the SFHA	4 of 58
Most Recent Claim	Jan 2024 · other causes
Claims by Event	Severe Storms And Flooding, May 2006 · 6 claims Extreme Weather Conditons And Flooding, Oct 1996 · 5 claims Coastal Storm, Oct 1991 · 4 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	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 264 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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