7 Cliff St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 7 Cliff St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,089 sqft · built 1930
Lot Size	0.172 acres (7,501 sqft)
Owner	2 Individual Names on Record
Last Sale	$545,000 (Oct 2023)
Tax Bill	$5,139 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Oct 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:007-F B:0007 L:0005`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:007-F B:0007 L:0005`
Alternative APN	`371004`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,089 sqft Living Area
Gross Area	1,905 sqft
1st Floor Area	657 sqft
Basement Area	576 sqft
Unfinished Basement	576 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,501 sqft (0.172 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	371004
Street Address	7 CLIFF ST
City	SAUGUS
State	MA
Zip	01906-2503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Subdivision	PINE VIEW
Legal Block	7
Legal Lot Number	5
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2004
Census Tract	208200

Owner

Source: Essex County and Saugus Town records, as of July 20, 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 Record
Mailing Address	7 CLIFF ST, SAUGUS, MA 01906-2503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2021	Deed of Trust, Mortgage · Line of Credit HANSCOM FCU
Oct 18, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HANSCOM FCU
Oct 13, 2023	Quit Claim Deed, Transfer · FHA Mortgage EASTERN BANK
Oct 18, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HANSCOM FCU
Jul 19, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance HANSCOM FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2023 · Amount on Record
Deed Sale	Oct 13, 2023 · Amount on Record
Prior Sale	Jan 17, 2014 · Amount on Record
Deed Book / Page	41806 / 298
Transfer Doc	3080000328
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	7 CLIFF ST, SAUGUS, MA 01906-2503
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039744-23
Date	Apr 7, 2021
Book Page	39744/23
Instrument	20210407003750

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	7 CLIFF ST, SAUGUS, MA 01906-2503
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040386-575
Date	Oct 18, 2021
Book Page	40386/575
Instrument	20211018001180

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Oct 13, 2023
Property Address	7 CLIFF ST, SAUGUS, MA 01906-2503
Document Number	041806-298
Book / Page	41806 / 298
Instrument Date	Oct 13, 2023
Instrument	20231013001260
Transaction Type	Transfer
Record Updated	Oct 27, 2023

Transaction

Amount	Amount Recorded
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	Tenants by the Entirety
Address	7 CLIFF ST, SAUGUS, MA 01906-2503

Mortgage

Document Number	231013001270
Date	Oct 13, 2023
Instrument	231013001270

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	7 CLIFF ST, SAUGUS, MA 01906-2503
Transaction Type	Mortgage
Record Updated	Nov 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40386-575
Date	Oct 18, 2021
Book Page	40386/575
Instrument	20211018001180

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	7 CLIFF ST, SAUGUS, MA 01906-2503
Transaction Type	Mortgage
Record Updated	Mar 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37682-494
Date	Jul 19, 2019
Book Page	37682/494
Instrument	20190719005950

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2039

Tax Assessment & Valuation

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
2025	$5,139.00 (+4.66%)	$481,200 (+4.38%) Land $306,300 Building $174,900	$567,245
2024	$4,910.00 (+3.22%)	$461,000 (+9.11%) Land $288,800 Building $172,200
2023	$4,757.00	$422,500 Land $253,800 Building $168,700

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

Flood

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	1 in force
Nearby Flood Claims	6 (1979–2010)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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

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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