54 Howard St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 54 Howard St, Saugus, MA 01906 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,866 sqft · built 1920
Lot Size	0.372 acres (16,183 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Jun 2009)
Tax Bill	$5,991 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:010-B B:0002 L:0013`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:010-B B:0002 L:0013`
Alternative APNs	`M:010=B B:0002 L:0013` `1174029`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,866 sqft Living Area
Gross Area	2,891 sqft
1st Floor Area	1,025 sqft
Basement Area	1,025 sqft
Unfinished Basement	1,025 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Other
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,183 sqft (0.372 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	1174029
Street Address	54 HOWARD ST
City	SAUGUS
State	MA
Zip	01906-4013
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	2
Legal Lot Number	13
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1013
Census Tract	208402

Owner

Source: Essex County and Saugus Town records · APN SAUG M:010-B B:0002 L:0013

Assessment roll updated April 14, 2026 · Last verified August 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 File
Mailing Address	54 HOWARD ST, SAUGUS, MA 01906-4013
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 30, 2009 · Amount on Record
Deed Sale	Jun 30, 2009 · Amount on Record
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	54 HOWARD ST, SAUGUS, MA 01906-4013
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042907-237
Date	Aug 25, 2025
Book Page	42907/237
Instrument	20250825001500

Lender

Name	WEBSTER FIRST FCU

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Sep 01, 2065

Tax Assessment & Valuation

Source: Essex County and Saugus Town records · Assessment roll updated April 14, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,991.00 (+6.54%)	$561,000 (+6.25%) Land $317,400 Building $243,600	$602,680
2024	$5,623.00 (+2.31%)	$528,000 (+8.17%) Land $288,500 Building $239,500
2023	$5,496.00	$488,100 Land $259,700 Building $228,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Essex County (25009C), updated July 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250092084021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 170 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.