5 Pearl Rd, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,134 sqft · built 1900
Lot Size	0.241 acres (10,502 sqft)
Owner	2 Individual Names on Record
Last Sale	$97,500 (Dec 1996)
Tax Bill	$6,712 (2026)
Deeds & Mortgages	May 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:012-E B:0010 L:0013`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:012-E B:0010 L:0013`
Alternative APNs	`M:012=E B:0010 L:0013` `9661009`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,134 sqft Living Area
Gross Area	3,234 sqft
1st Floor Area	1,662 sqft
Basement Area	676 sqft
Unfinished Basement	676 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,502 sqft (0.241 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	9661009
Street Address	5 PEARL RD
City	SAUGUS
State	MA
Zip	01906-1229
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	10
Legal Lot Number	13
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2001
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	2 Individual Names on Record
Mailing Address	5 PEARL RD, 5R, SAUGUS, MA 01906-1229
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 1996 · Amount on Record
Deed Sale	Dec 20, 1996 · Amount on Record
Prior Sale	Apr 4, 1989 · Amount on Record
Deed Book / Page	13898 / 494
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	5 PEARL RD, SAUGUS, MA 01906-1229
Transaction Type	Mortgage
Record Updated	Jun 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040940-474
Date	May 18, 2022
Book Page	40940/474
Instrument	20220518000190

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate

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	$6,712.00 (+3.66%)	$644,100 (+6.23%) Land $393,700 Building $249,500	$719,592 (-7.09%)
2025	$6,475.00 (+3.37%)	$606,300 (+3.08%) Land $357,500 Building $248,800	$774,535
2024	$6,264.00 (+1.06%)	$588,200 (+6.87%) Land $343,900 Building $244,300
2023	$6,198.00	$550,400 Land $312,200 Building $238,200

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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