5 Thomas St, Unit P1, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 5 Thomas St, Unit P1, Saugus, MA 01906

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,183 sqft · built 1981
Owner	2 Individual Names on Record
Last Sale	$305,000 (Apr 2019)
Tax Bill	$4,239 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:012-D B:0010 L:0001`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:012-D B:0010 L:0001`
Alternative APNs	`M:012=D B:0010 L:0001` `3829021`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Units	19 Units
Stories	3 Stories
Building Area	1,183 sqft Living Area
1st Floor Area	1,183 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1982
Architectural Style	Condo/Apartment
Exterior Material	Brick
Construction Type	Frame
Roof Type	Flat
Roof Material	Other

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	3829021
Street Address	5 THOMAS ST, P1
City	SAUGUS
State	MA
Zip	01906-4516
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	NA
Legal Subdivision	HILLVIEW WEST CONDIO
Legal Block	10
Legal Lot Number	1
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1006
Census Tract	208401

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	5 THOMAS ST, P1, SAUGUS, MA 01906-4516
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2020	Deed of Trust, Mortgage · FHA Mortgage MSA LENDING LLC
Apr 25, 2019	Personal Representative Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2019 · Amount on Record
Deed Sale	Apr 25, 2019 · Amount on Record
Deed Document Number	20192170
Deed Book / Page	37462 / 84
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	5 THOMAS ST UNIT P1, P1, SAUGUS, MA 01906-4516
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38379-230
Date	Mar 31, 2020
Book Page	38379/230
Instrument	20200331000840

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

April 2019: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	SAUGUS MA
Recording Date	Apr 25, 2019
Property Address	5 THOMAS ST UNIT P1, P1, SAUGUS, MA 01906-4516
Document Number	37462-84
Book / Page	37462 / 84
Instrument Date	Apr 25, 2019
Instrument	20190425002170
Transaction Type	Transfer
Record Updated	May 12, 2021

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 THOMAS ST UNIT P1, P1, SAUGUS, MA 01906-4516

Mortgage

Document Number	190425002180
Date	Apr 25, 2019
Instrument	190425002180

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA 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	$4,239.00 (+2.42%)	$396,900 (+2.14%) Building $396,900	$406,410
2024	$4,139.00 (+13.96%)	$388,600 (+20.46%) Building $388,600
2023	$3,632.00	$322,600 Building $322,600

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 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 99.1% of the US · lower than 98.7% 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 308 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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