54 Waban St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 54 Waban St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 1,818 sqft · built 1965
Lot Size	0.195 acres (8,499 sqft)
Owner	2 Individual Names on File
Last Sale	$480,000 (May 2020)
Tax Bill	$6,654 (2026)
Deeds & Mortgages	Jul 2022 Line of Credit Aug 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:007-F B:0006 L:0005`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:007-F B:0006 L:0005`
Alternative APNs	`M:007=F B:0006 L:0005` `4953010`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,818 sqft Living Area
Gross Area	2,855 sqft
1st Floor Area	934 sqft
Basement Area	850 sqft
Unfinished Basement	850 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,499 sqft (0.195 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	4953010
Street Address	54 WABAN ST
City	SAUGUS
State	MA
Zip	01906-2550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	6
Legal Lot Number	5
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1017
Census Tract	208200

Owner

54 Waban St is owned and occupied by two individuals who bought it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	54 WABAN ST, SAUGUS, MA 01906-2550
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 1, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Aug 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF ENGLAND
May 5, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2020 · Amount on File
Deed Sale	May 5, 2020 · Amount on File
Prior Sale	May 8, 2009 · Amount on File
Deed Document Number	20201950
Deed Book / Page	38485 / 576
Prior Transfer Date	Apr 20, 2020
Prior Transfer Doc	38485-576
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	54 WABAN ST, SAUGUS, MA 01906-2550
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041042-93
Date	Jul 1, 2022
Book Page	41042/93
Instrument	20220701000320

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	54 WABAN ST, SAUGUS, MA 01906-2550
Transaction Type	Mortgage
Record Updated	Sep 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40206-8
Date	Aug 24, 2021
Book Page	40206/8
Instrument	20210824003490

Lender

Name	BANK OF ENGLAND

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	May 5, 2020
Property Address	54 WABAN ST, SAUGUS, MA 01906-2550
Document Number	38485-576
Book / Page	038485 / 000576
Instrument Date	Apr 20, 2020
Instrument	5001950
Transaction Type	Transfer
Record Updated	May 19, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$2,189.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	54 WABAN ST SAUGUS MA 019062550, SAUGUS, MA 01906-2550

Tax Assessment & Valuation

The 2026 property tax bill for 54 Waban St was $6,654, up 4.5% 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	$6,654.00 (+4.49%)	$638,600 (+7.09%) Land $340,700 Building $297,900	$718,318 (+14.44%)
2025	$6,368.00 (+4.1%)	$596,300 (+3.81%) Land $309,800 Building $286,500	$627,665
2024	$6,117.00 (+3.8%)	$574,400 (+9.74%) Land $292,100 Building $282,300
2023	$5,893.00	$523,400 Land $256,700 Building $266,700

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

Flood

FEMA maps place 54 Waban St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1979–1988)
Most Recent Claim	Jan 1988 · rainfall accumulation

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 54 Waban 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 486 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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