7 Thomas St, Unit J12, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 7 Thomas St, Unit J12, Saugus, MA 01906

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,245 sqft · built 1981
Owner	2 Individual Names on Record
Last Sale	$260,000 (Jun 2016)
Tax Bill	$4,326 (2026)
Deeds & Mortgages	Oct 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4040-32`

Property Details

APN / Parcel Number

Primary APN	`4040-32`
Alternative APNs	`SAUG M:012-D B:0011 L:0012` `M:012=D B:0011 L:0012`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Units	18 Units
Stories	1 Story
Building Area	1,245 sqft Living Area
1st Floor Area	1,245 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1982
Architectural Style	Condo/Apartment
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Flat
Roof Material	Other

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water

Location & Zoning

Account Number	4040-32
Street Address	7 THOMAS ST, J12
City	SAUGUS
State	MA
Zip	01906-4528
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	NA
Legal Block	11
Legal Lot Number	12
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1006
Census Tract	208401

Owner

Source: Essex County and Saugus Town records, as of October 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 THOMAS ST, J12, SAUGUS, MA 01906-4528
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2016 · Amount on Record
Deed Sale	Jun 30, 2016 · Amount on Record
Prior Sale	Jul 7, 1994 · Amount on Record
Deed Book / Page	35050 / 434
Last Transfer Date	Oct 25, 2022
Transfer Doc	041274-474
Record Updated	Oct 29, 2026

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Oct 31, 2022
Property Address	7 THOMAS ST UNIT J12, J12, SAUGUS, MA 01906-4528
Document Number	041274-474
Book / Page	41274 / 474
Instrument Date	Oct 25, 2022
Instrument	20221031000540
Transaction Type	Transfer
Record Updated	Jul 24, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	7 THOMAS ST UNIT J12, J12, SAUGUS, MA 01906-4528

Mortgage

Document Number	20221031000550
Date	Oct 31, 2022
Instrument	20221031000550

Lender

Name	WAKEFIELD COOPERATIVE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Nov 1, 2032
Index	1-Year CMT

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
2026	$4,326.00 (+0.79%)	$415,200 (+3.31%) Building $415,200	$408,470 (+8.96%)
2025	$4,292.00 (+2.73%)	$401,900 (+2.45%) Building $401,900	$374,870
2024	$4,178.00 (+13.29%)	$392,300 (+19.79%) Building $392,300
2023	$3,688.00	$327,500 Building $327,500

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% 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 308 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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