7 Thomas St, Unit J15, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 7 Thomas St, Unit J15, Saugus, MA 01906

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,240 sqft · built 1981
Lot Size	5.68 acres (247,835 sqft)
Owner	Individual Name on File
Last Sale	$420,000 (Nov 2023)
Tax Bill	$4,269 (2026)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Feb 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:012-D B:0011 L:0015`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:012-D B:0011 L:0015`
Alternative APNs	`M:012=D B:0011 L:0015` `6818011`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Units	18 Units
Stories	1 Story
Building Area	1,240 sqft Living Area
1st Floor Area	1,240 sqft

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
Lot Area	247,835 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water

Location & Zoning

Account Number	6818011
Street Address	7 THOMAS ST, J15
City	SAUGUS
State	MA
Zip	01906-4528
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	NA
Legal Subdivision	HILLVIE WEST CONDO
Legal Block	11
Legal Lot Number	15
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1006
Census Tract	208401

Owner

7 Thomas St, Unit J15 is owned by an individual who bought it in November 2023.

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	7 THOMAS ST, J15, SAUGUS, MA 01906-4528
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2023	Condominium Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE
Feb 5, 2021	Condominium Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2023 · Amount on File
Deed Sale	Nov 7, 2023 · Amount on File
Prior Sale	May 17, 1994 · Amount on File
Deed Document Number	20232820
Deed Book / Page	41848 / 469
Record Updated	Oct 29, 2026

November 2023: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	SAUGUS MA
Recording Date	Nov 7, 2023
Property Address	7 THOMAS ST UNIT J15, J15, SAUGUS, MA 01906-4528
Document Number	041848-469
Book / Page	41848 / 469
Instrument Date	Nov 6, 2023
Instrument	20231107002820
Transaction Type	Transfer
Record Updated	Nov 23, 2023

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
Address	7 THOMAS ST UNIT J15, J15, SAUGUS, MA 01906-4528

Mortgage

Document Number	231107002830
Date	Nov 7, 2023
Instrument	231107002830

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

February 2021: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	SAUGUS MA
Recording Date	Feb 5, 2021
Property Address	7 THOMAS ST UNIT J15, J15, SAUGUS, MA 01906-4528
Document Number	39498-462
Book / Page	39498 / 462
Instrument Date	Jan 22, 2021
Instrument	20210205003970
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 CLEVELAND AVE, SAUGUS, MA 01906-1401

Tax Assessment & Valuation

The 2026 property tax bill for 7 Thomas St, Unit J15 was $4,269, up 0.8% 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	$4,269.00 (+0.83%)	$409,700 (+3.36%) Building $409,700	$407,382 (-7.18%)
2025	$4,234.00 (+2.47%)	$396,400 (+2.16%) Building $396,400	$438,900
2024	$4,132.00 (+13.89%)	$388,000 (+20.42%) Building $388,000
2023	$3,628.00	$322,200 Building $322,200

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

Flood

FEMA maps place 7 Thomas St, Unit J15 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 7 Thomas St, Unit J15 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 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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