51 Dudley St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 51 Dudley St, Saugus, MA 01906

Property Summary

Property Type	Duplex
Details	5 bd · 3.5 ba · 3,332 sqft · built 1918
Lot Size	0.151 acres (6,591 sqft)
Owner	2 Trust Names on File
Last Sale	$796,000 (Feb 2021)
Tax Bill	$9,107 (2026)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Dec 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:006-H B:0016 L:0001`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:006-H B:0016 L:0001`
Alternative APNs	`M:006=H B:0016 L:0001` `8797014`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Units	2 Units
Stories	3 Stories
Building Area	3,332 sqft Living Area
Gross Area	5,736 sqft
1st Floor Area	1,342 sqft
Basement Area	1,344 sqft
Unfinished Basement	1,344 sqft

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,591 sqft (0.151 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	8797014
Street Address	51 DUDLEY ST
City	SAUGUS
State	MA
Zip	01906-1824
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	NA
Legal Subdivision	BALLARD GARDENS
Legal Block	16
Legal Lot Number	1
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	4
Census Block	4001
Census Tract	208101

Owner

51 Dudley St, a duplex, is owner-occupied and held in a trust since April 2025.

Source: Essex County and Saugus Town records, as of October 20, 2026

Owner of Record	2 Trust Names on File
Mailing Address	51 DUDLEY ST, SAUGUS, MA 01906-1824
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MORTGAGE NETWORK INC
Dec 28, 2017	Deed of Trust, Mortgage · FHA Mortgage NEW FREEDOM MORTGAGE CORP
May 7, 2019	Deed of Trust, Mortgage · Line of Credit HANSCOM FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2021 · Amount on File
Deed Sale	Feb 18, 2021 · Amount on File
Prior Sale	Dec 1, 2010 · Amount on File
Deed Book / Page	39546 / 195
Last Transfer Date	Apr 28, 2025
Transfer Doc	042711-122
Record Updated	Oct 29, 2026

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Feb 18, 2021
Property Address	51 DUDLEY ST, SAUGUS, MA 01906-1824
Document Number	039546-195
Book / Page	39546 / 195
Instrument Date	Feb 11, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount on Record
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	51 DUDLEY ST, SAUGUS, MA 01906-1824

Mortgage

Document Number	0039546197
Date	Feb 18, 2021
Instrument	39546/197

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	51 DUDLEY ST, SAUGUS, MA 01906-1824
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36437-60
Date	Dec 28, 2017
Book Page	36437/60
Instrument	171228001130

Lender

Name	NEW FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Dec 1, 2045

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	51 DUDLEY ST, SAUGUS, MA 01906-1824
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37492-284
Date	May 7, 2019
Book Page	37492/284
Instrument	20190507000480

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 51 Dudley St was $9,107, up 1.7% from the year before.

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	$9,107.00 (+1.74%)	$874,000 (+4.28%) Land $333,400 Building $522,900	$913,923
2025	$8,951.00 (+3.48%)	$838,100 (+3.19%) Land $303,100 Building $535,000
2024	$8,650.00 (+1.42%)	$812,200 (+7.22%) Land $285,700 Building $526,500
2023	$8,529.00	$757,500 Land $251,100 Building $506,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 51 Dudley St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 103 individual policies
Nearby Flood Policies	109 units insured incl. 6 condo units
Nearby Flood Claims	35 (1979–2025)
Claims Outside the SFHA	8 of 35
Most Recent Claim	Jan 2025 · other causes
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 claims Severe Storms And Flooding, May 2006 · 4 claims Extreme Weather Conditons And Flooding, Oct 1996 · 6 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

The area around 51 Dudley St has no burnable land within ember reach, so its wildfire risk is not rated.

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 577 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

May also be available: Verizon.

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