5 Thomas St, Unit P10, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 5 Thomas St, Unit P10, Saugus, MA 01906

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,023 sqft · built 1981
Owner	2 Individual Names on Record
Last Sale	$400,000 (Oct 2023)
Tax Bill	$4,242 (2026)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Jun 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:012-D B:0010 L:0010`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:012-D B:0010 L:0010`
Alternative APNs	`M:012=D B:0010 L:0010` `4944014`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Units	19 Units
Stories	3 Stories
Building Area	1,023 sqft Living Area
1st Floor Area	1,023 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

Location & Zoning

Account Number	4944014
Street Address	5 THOMAS ST, P10
City	SAUGUS
State	MA
Zip	01906-4500
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	NA
Legal Block	10
Legal Lot Number	10
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 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 THOMAS ST, P10, SAUGUS, MA 01906-4500
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2023	Condominium Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 26, 2023	Quit Claim Deed, Transfer Quitclaim
Jan 3, 2020	Condominium Deed, Transfer · FHA Mortgage FINANCE AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2023 · Amount on Record
Deed Sale	Oct 12, 2023 · Amount on Record
Prior Sale	Dec 14, 2012 · Amount on Record
Deed Document Number	20233330
Deed Book / Page	41805 / 281
Prior Transfer Date	Jun 23, 2023
Prior Transfer Doc	041629-504
Record Updated	Oct 29, 2026

October 2023: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	SAUGUS MA
Recording Date	Oct 12, 2023
Property Address	5 THOMAS ST UNIT P10, P10, SAUGUS, MA 01906-4500
Document Number	041805-281
Book / Page	41805 / 281
Instrument Date	Oct 11, 2023
Instrument	20231012003330
Transaction Type	Transfer
Record Updated	Oct 27, 2023

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
Relationship	Joint Tenants with Right of Survivorship
Address	5 THOMAS ST UNIT P10, P10, SAUGUS, MA 01906-4500

Mortgage

Document Number	231012003340
Date	Oct 12, 2023
Instrument	231012003340

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jun 26, 2023
Property Address	5 THOMAS ST UNIT P10, P10, SAUGUS, MA 01906-4500
Document Number	041629-504
Book / Page	41629 / 504
Instrument Date	Jun 23, 2023
Instrument	20230626001060
Transaction Type	Transfer
Record Updated	Jul 19, 2023

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 THOMAS ST UNIT P10, P10, SAUGUS, MA 01906-4500

January 2020: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	SAUGUS MA
Recording Date	Jan 3, 2020
Property Address	5 THOMAS ST UNIT P10, P10, SAUGUS, MA 01906-4500
Document Number	38170-438
Book / Page	038170 / 000438
Instrument Date	Dec 19, 2019
Instrument	3002420
Transaction Type	Transfer
Record Updated	Jan 21, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 THOMAS ST #P10 SAUGUS MA 019064500, P10, SAUGUS, MA 01906-4500

Mortgage

Document Number	38170-440
Date	Jan 3, 2020
Book Page	038170/000440
Instrument	3002430

Lender

Name	FINANCE AMERICA
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	888 Months
Due	Jan 2, 2094

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	$4,242.00 (+0.74%)	$407,100 (+3.25%) Building $407,100	$409,970 (-0.91%)
2025	$4,211.00 (+3.26%)	$394,300 (+2.98%) Building $394,300	$413,725
2024	$4,078.00 (+13.72%)	$382,900 (+20.22%) Building $382,900
2023	$3,586.00	$318,500 Building $318,500

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.

Nearby Properties on Thomas St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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