55 Ballard St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 55 Ballard St, Saugus, MA 01906

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,994 sqft · built 1950
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$450,000 (Jan 2018)
Tax Bill	$7,483 (2026)
Deeds & Mortgages	Sep 2021 Refinance Sep 2021 Refinance + 2 more
Flood Zone	Zone AE (high risk)
APN	`SAUG M:006-H B:0014 L:0017`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:006-H B:0014 L:0017`
Alternative APNs	`M:006=H B:0014 L:0017` `8574000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,994 sqft Living Area
Gross Area	3,406 sqft
1st Floor Area	944 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	8574000
Street Address	55 BALLARD ST
City	SAUGUS
State	MA
Zip	01906-1733
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	NA
Legal Block	14
Legal Lot Number	17
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1025
Census Tract	208102

Owner

55 Ballard St, a duplex, is owned by an individual who bought it in January 2018.

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

Owner of Record	Individual Name on File
Mailing Address	59 CHESTNUT ST, SAUGUS, MA 01906-1603
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
Sep 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance EVERETT COOPERATIVE BANK
Sep 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance EVERETT COOPERATIVE BANK
May 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS
Jan 9, 2018	Quit Claim Deed, Transfer · Conventional Mortgage POM POM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 9, 2018 · Amount on File
Deed Sale	Jan 9, 2018 · Amount on File
Deed Book / Page	36461 / 269
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	55 BALLARD ST, SAUGUS, MA 01906-1733
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0040322-47
Date	Sep 28, 2021
Book Page	40322/47
Instrument	20210928002050

Lender

Name	EVERETT COOPERATIVE BANK
Type	Bank

Agreement

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

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	55 BALLARD ST, SAUGUS, MA 01906-1733
Transaction Type	Mortgage
Record Updated	Oct 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40322-47
Date	Sep 28, 2021
Book Page	40322/47
Instrument	20210928002050

Lender

Name	EVERETT COOPERATIVE BANK
Type	Bank

Agreement

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

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	55 BALLARD ST, SAUGUS, MA 01906-1733
Document Number	36703-352
Instrument Date	May 8, 2018
Transaction Type	Mortgage
Record Updated	May 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 BALLARD ST SAUGUS MA 019061733, SAUGUS, MA 01906-1733

Mortgage

Document Number	36703-352
Date	May 9, 2018
Book Page	036703/000352
Instrument	9000060

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 8, 2048

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jan 9, 2018
Property Address	55 BALLARD ST, SAUGUS, MA 01906-1733
Document Number	36461-269
Book / Page	036461 / 000269
Instrument Date	Jan 9, 2018
Instrument	1801093490
Transaction Type	Transfer
Record Updated	Jan 30, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,052.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	59 CHESTNUT ST SAUGUS MA 019061603, SAUGUS, MA 01906-1603

Mortgage

Document Number	36461-271
Date	Jan 9, 2018
Book Page	036461/000271
Instrument	1801093500

Lender

Name	POM POM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 55 Ballard St was $7,483, up 2.5% 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	$7,483.00 (+2.52%)	$718,100 (+5.08%) Land $317,400 Building $380,000	$757,772
2025	$7,299.00 (+5.31%)	$683,400 (+5.01%) Land $287,000 Building $396,400
2024	$6,931.00 (+1.09%)	$650,800 (+6.88%) Land $260,900 Building $389,900
2023	$6,856.00	$608,900 Land $234,800 Building $374,100

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

Flood

FEMA maps place 55 Ballard St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 46 policies
Nearby Flood Policies	46 in force
Nearby Flood Claims	58 (1978–2024)
Claims Outside the SFHA	4 of 58
Most Recent Claim	Jan 2024 · other causes
Claims by Event	Severe Storms And Flooding, May 2006 · 6 claims Extreme Weather Conditons And Flooding, Oct 1996 · 5 claims Coastal Storm, Oct 1991 · 4 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 55 Ballard 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 264 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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