56 Howard St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 56 Howard St, Saugus, MA 01906

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,728 sqft · built 1945
Lot Size	0.496 acres (21,610 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Aug 2011)
Tax Bill	$6,652 (2026)
Deeds & Mortgages	Jul 2019 Mortgage
Flood Zone	Zone AE (high risk)
APN	`SAUG M:010-B B:0002 L:0014`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:010-B B:0002 L:0014`
Alternative APNs	`M:010=B B:0002 L:0014` `1173033`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,728 sqft Living Area
Gross Area	3,352 sqft
1st Floor Area	864 sqft
Basement Area	972 sqft
Unfinished Basement	972 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,610 sqft (0.496 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	1173033
Street Address	56 HOWARD ST
City	SAUGUS
State	MA
Zip	01906-4013
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	NA
Legal Subdivision	JOSEPH W GERNIGLIO
Legal Block	2
Legal Lot Number	14
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1013
Census Tract	208402

Owner

56 Howard St, a duplex, is owned and occupied by an individual who bought it in August 2011.

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

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

Owner of Record	Individual Name on File
Mailing Address	56 HOWARD ST, SAUGUS, MA 01906-4013
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2011 · Amount on File
Deed Sale	Aug 12, 2011 · Amount on File
Prior Sale	Mar 23, 2007 · Amount on File
Deed Book / Page	30587 / 592
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	56 HOWARD ST, SAUGUS, MA 01906-4013
Document Number	37692-362
Instrument Date	Jul 24, 2019
Transaction Type	Mortgage
Record Updated	Aug 13, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 HOWARD ST SAUGUS MA 019064013, SAUGUS, MA 01906-4013

Mortgage

Document Number	37692-362
Date	Jul 24, 2019
Book Page	037692/000362
Instrument	1907243140

Lender

Name	FIRST PRIORITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 23, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 56 Howard St was $6,652, up 3.4% 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	$6,652.00 (+3.4%)	$638,400 (+5.99%) Land $365,600 Building $272,800	$725,823
2025	$6,433.00 (+6.67%)	$602,300 (+6.36%) Land $330,600 Building $271,700
2024	$6,031.00 (+2.5%)	$566,300 (+8.36%) Land $300,600 Building $265,700
2023	$5,884.00	$522,600 Land $270,600 Building $252,000

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

Flood

FEMA maps place 56 Howard 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	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	2 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

The area around 56 Howard 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 170 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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