7 Montgomery St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,548 sqft · built 1930
Lot Size	0.107 acres (4,665 sqft)
Owner	2 Individual Names on File
Last Sale	$720,000 (Jul 2021)
Tax Bill	$7,697 (2026)
Deeds & Mortgages	Jul 2023 Line of Credit Jul 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:007-F B:0029 L:0006`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:007-F B:0029 L:0006`
Alternative APNs	`M:007=F B:0029 L:0006` `1910002`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,548 sqft Living Area
Gross Area	4,238 sqft
1st Floor Area	1,374 sqft
Basement Area	1,368 sqft
Unfinished Basement	1,368 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	4,665 sqft (0.107 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1910002
Street Address	7 MONTGOMERY ST
City	SAUGUS
State	MA
Zip	01906-2632
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	29
Legal Lot Number	6
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	3
Census Block	3014
Census Tract	208101

Owner

7 Montgomery St is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	7 MONTGOMERY ST, SAUGUS, MA 01906-2632
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 20, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jul 12, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC
Sep 15, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 13, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage RAC CAPITAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2021 · Amount on File
Deed Sale	Jul 12, 2021 · Amount on File
Prior Sale	Sep 15, 2020 · Amount on File
Deed Book / Page	40073 / 359
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	7 MONTGOMERY ST, SAUGUS, MA 01906-2632
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	041670-511
Date	Jul 20, 2023
Book Page	41670/511
Instrument	20230720001620

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jul 12, 2021
Property Address	7 MONTGOMERY ST, SAUGUS, MA 01906-2632
Document Number	040073-359
Book / Page	40073 / 359
Instrument Date	Jul 12, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 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	Tenants by the Entirety
Address	7 MONTGOMERY ST, SAUGUS, MA 01906-2632
Investor	Possibly a Property Investor

Mortgage

Document Number	0040073362
Date	Jul 12, 2021
Instrument	40073/362

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Sep 15, 2020
Property Address	7 MONTGOMERY ST, SAUGUS, MA 01906-2632
Document Number	38934-532
Book / Page	038934 / 000532
Instrument Date	Sep 11, 2020
Instrument	15000770
Transaction Type	Transfer
Record Updated	Oct 6, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$1,733.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 FRANCES ST MELROSE MA 021764526, MELROSE, MA 02176-4526

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Aug 13, 2020
Property Address	7 MONTGOMERY ST, SAUGUS, MA 01906-2632
Document Number	038818-164
Book / Page	38818 / 164
Instrument Date	Aug 10, 2020
Instrument	20200813002520
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount 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
Address	PO BOX 4066, WINDHAM, NH 03087-4066
Investor	Possibly a Property Investor

Mortgage

Document Number	200813002530
Date	Aug 13, 2020
Instrument	200813002530

Lender

Name	RAC CAPITAL LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 7 Montgomery St was $7,697, up 2.3% 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	$7,697.00 (+2.3%)	$738,700 (+4.85%) Land $326,000 Building $412,200	$788,563 (-7.53%)
2025	$7,524.00 (+3.84%)	$704,500 (+3.54%) Land $296,300 Building $408,200	$852,815
2024	$7,246.00 (+1.39%)	$680,400 (+7.2%) Land $279,400 Building $401,000
2023	$7,147.00	$634,700 Land $245,500 Building $389,200

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

Flood

FEMA maps place 7 Montgomery St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

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	9 units insured incl. 6 condo units
Nearby Flood Claims	2 (1978–1996)
Most Recent Claim	Oct 1996 · Extreme Weather Conditons 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

Wildfire risk around 7 Montgomery 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 450 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: Verizon.

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