7 Valley St, Saugus, MA 01906 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,149 sqft · built 1930
Lot Size	0.28 acres (12,210 sqft)
Owner	2 Individual Names on File
Last Sale	$684,900 (Jun 2022)
Tax Bill	$7,360 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:011-A B:0015 L:0005`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:011-A B:0015 L:0005`
Alternative APNs	`M:011=A B:0015 L:0005` `10104016`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,149 sqft Living Area
Gross Area	3,573 sqft
1st Floor Area	1,645 sqft
Basement Area	1,414 sqft
Unfinished Basement	910 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,210 sqft (0.28 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	10104016
Street Address	7 VALLEY ST
City	SAUGUS
State	MA
Zip	01906-4082
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	15
Legal Lot Number	5
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1001
Census Tract	208402

Owner

7 Valley St is owned and occupied by two individuals who bought it in June 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	7 VALLEY ST, SAUGUS, MA 01906-4082
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2022 · Amount on File
Deed Sale	Jun 8, 2022 · Amount on File
Prior Sale	Sep 28, 2015 · Amount on File
Transfer Doc	0000565791
Record Updated	Oct 29, 2026

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SAUGUS MA
Recording Date	Jun 8, 2022
Property Address	7 VALLEY ST, SAUGUS, MA 01906-4082
Document Number	0000636896
Instrument Date	Jun 8, 2022
Instrument	636896
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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 VALLEY ST, SAUGUS, MA 01906-4082

Mortgage

Document Number	0000636897
Date	Jun 8, 2022
Instrument	636897

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 7 Valley St was $7,360, up 4.8% 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	$7,360.00 (+4.78%)	$706,300 (+7.39%) Land $355,000 Building $350,700	$737,479 (-6.67%)
2025	$7,024.00 (+4.4%)	$657,700 (+4.12%) Land $322,700 Building $335,000	$790,210
2024	$6,728.00 (+4.8%)	$631,700 (+10.79%) Land $304,300 Building $327,400
2023	$6,420.00	$570,200 Land $267,400 Building $302,800

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

Flood

FEMA maps place 7 Valley St 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

The area around 7 Valley St has no burnable land within ember reach, so its wildfire risk is not rated.

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 268 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20