56 Summer St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,324 sqft · built 1940
Lot Size	0.194 acres (8,459 sqft)
Owner	2 Individual Names on File
Last Sale	$678,500 (Oct 2025)
Tax Bill	$6,636 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:009-E B:0005 L:0010`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:009-E B:0005 L:0010`
Alternative APNs	`M:009=E B:0005 L:0010` `4293016`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,324 sqft Living Area
Gross Area	2,966 sqft
1st Floor Area	1,324 sqft
Basement Area	1,184 sqft
Unfinished Basement	1,184 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,459 sqft (0.194 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	4293016
Street Address	56 SUMMER ST
City	SAUGUS
State	MA
Zip	01906-2166
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	5
Legal Lot Number	10
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1001
Census Tract	208301

Owner

56 Summer St is owned and occupied by two individuals who bought it in October 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	56 SUMMER ST, SAUGUS, MA 01906-2166
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Oct 23, 2025	Quit Claim Deed, Transfer MSA LENDING LLC
Jun 1, 2018	Quit Claim Deed, Transfer SALEM FIVE MTG CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2025 · Amount on File
Deed Sale	Oct 23, 2025 · Amount on File
Prior Sale	Jun 1, 2018 · Amount on File
Deed Book / Page	43023 / 560
Record Updated	Oct 29, 2026

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Oct 23, 2025
Property Address	56 SUMMER ST, SAUGUS, MA 01906-2166
Document Number	043023-560
Book / Page	43023 / 560
Instrument Date	Oct 23, 2025
Instrument	20251023002450
Transaction Type	Transfer
Record Updated	Jan 26, 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
Relationship	Joint Tenants
Address	56 SUMMER ST, SAUGUS, MA 01906-2166

Mortgage

Document Number	20251023002460
Date	Oct 23, 2025
Instrument	20251023002460

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jun 1, 2018
Property Address	56 SUMMER ST, SAUGUS, MA 01906-2166
Document Number	36758-493
Book / Page	36758 / 493
Instrument	180601004370
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$43.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 SUMMER ST, SAUGUS, MA 01906-2166

Mortgage

Document Number	367580495
Date	Jun 1, 2018
Instrument	36758/0495

Lender

Name	SALEM FIVE MTG CO

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 56 Summer St was $6,636, up 4.6% 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	$6,636.00 (+4.59%)	$636,900 (+7.2%) Land $358,300 Building $271,400	$670,900 (+10.38%)
2025	$6,345.00 (+2.5%)	$594,100 (+2.22%) Land $327,300 Building $266,800	$607,810
2024	$6,190.00 (+3.34%)	$581,200 (+9.25%) Land $318,500 Building $262,700
2023	$5,990.00	$532,000 Land $278,600 Building $253,400

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

Flood

FEMA maps place 56 Summer St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 56 Summer St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 96% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 171 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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