5 Thomas St, Unit P4, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 5 Thomas St, Unit P4, Saugus, MA 01906

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,025 sqft · built 1981
Owner	Individual Name on File
Last Sale	$115,000 (Jul 1992)
Tax Bill	$4,212 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Nov 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:012-D B:0010 L:0004`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:012-D B:0010 L:0004`
Alternative APNs	`M:012=D B:0010 L:0004` `8725004`

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	1,025 sqft Living Area
1st Floor Area	1,025 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	8725004
Street Address	5 THOMAS ST, P4
City	SAUGUS
State	MA
Zip	01906-4516
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	NA
Legal Block	10
Legal Lot Number	4
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1006
Census Tract	208401

Owner

Source: Essex County and Saugus Town assessment roll, 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 File
Mailing Address	5 THOMAS ST, P4, SAUGUS, MA 01906-4516
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2023	Deed of Trust, Mortgage · ARM SECRETARY HOUSING URBAN DEVELOPMENT
Nov 9, 2023	Deed of Trust, Mortgage · ARM MUTUAL OF OMAHA MORTGAGE
Jun 2, 2021	Deed of Trust, Mortgage · Line of Credit EASTERN BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 29, 1992 · Amount on Record
Deed Sale	Jul 29, 1992 · Amount on Record
Deed Book / Page	11407 / 372
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	5 THOMAS ST UNIT P4, P4, SAUGUS, MA 01906-4516
Transaction Type	Mortgage
Record Updated	Dec 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041851-284
Date	Nov 9, 2023
Book Page	41851/284
Instrument	20231109000450

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	ARM
Amount	Amount Recorded
Term	793 Months
Due	Dec 1, 2089

Interest

Rate Type	Adjustable Rate
Rate	7.61%
Type Change Date	Dec 1, 2023
Index	Other

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	5 THOMAS ST UNIT P4, P4, SAUGUS, MA 01906-4516
Transaction Type	Mortgage
Record Updated	Dec 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041851-267
Date	Nov 9, 2023
Book Page	41851/267
Instrument	20231109000440

Lender

Name	MUTUAL OF OMAHA MORTGAGE

Agreement

Type	ARM
Amount	Amount Recorded
Term	793 Months
Due	Dec 1, 2089

Interest

Rate Type	Adjustable Rate
Rate	7.61%
Type Change Date	Dec 1, 2023
Index	Other

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	5 THOMAS ST UNIT P4, P4, SAUGUS, MA 01906-4516
Transaction Type	Mortgage
Record Updated	Jun 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39941-379
Date	Jun 2, 2021
Book Page	39941/379
Instrument	20210602004270

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

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
2025	$4,212.00 (+3.24%)	$394,400 (+2.95%) Building $394,400	$408,310
2024	$4,080.00 (+13.74%)	$383,100 (+20.24%) Building $383,100
2023	$3,587.00	$318,600 Building $318,600

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

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 USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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