72 Elm St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 72 Elm St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,051 sqft · built 1964
Lot Size	0.234 acres (10,202 sqft)
Owner	2 Company Names on Record
Last Sale	$180,000 (Jul 1988)
Tax Bill	$7,567 (2026)
Deeds & Mortgages	Dec 2023 Line of Credit Oct 2023 Transfer + 2 more
Flood Zone	Zone AE (high risk)
APN	`SAUG M:011-F B:0004 L:0002`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:011-F B:0004 L:0002`
Alternative APNs	`M:011=F B:0004 L:0002` `9696002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,051 sqft Living Area
Gross Area	4,206 sqft
1st Floor Area	2,051 sqft
Basement Area	1,820 sqft
Unfinished Basement	1,820 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,202 sqft (0.234 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	9696002
Street Address	72 ELM ST
City	SAUGUS
State	MA
Zip	01906-2254
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	4
Legal Lot Number	2
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	3
Census Block	3020
Census Tract	208302

Owner

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	2 Company Names on Record
Mailing Address	72 ELM ST, SAUGUS, MA 01906-2254
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2023	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK
Oct 19, 2023	Quit Claim Deed, Transfer Quitclaim
Aug 18, 2022	Quit Claim Deed, Transfer Quitclaim
Sep 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 1988 · Amount on Record
Deed Sale	Jul 28, 1988 · Amount on Record
Last Transfer Date	Dec 11, 2024
Transfer Doc	0000656329
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	72 ELM ST, SAUGUS, MA 01906-2254
Transaction Type	Mortgage
Record Updated	Dec 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000648367
Date	Dec 1, 2023
Instrument	648367

Lender

Name	NORTH SHORE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Oct 19, 2023
Property Address	72 ELM ST, SAUGUS, MA 01906-2254
Document Number	0000647440
Instrument Date	Oct 17, 2023
Instrument	647440
Transaction Type	Transfer
Record Updated	Nov 3, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	72 ELM ST, SAUGUS, MA 01906-2254

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Aug 18, 2022
Property Address	72 ELM ST, SAUGUS, MA 01906-2254
Document Number	0000638675
Instrument Date	Jul 14, 2022
Instrument	638675
Transaction Type	Transfer
Record Updated	Sep 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	72 ELM ST, SAUGUS, MA 01906-2254

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	72 ELM ST, SAUGUS, MA 01906-2254
Document Number	0000616805
Instrument Date	Sep 22, 2020
Transaction Type	Mortgage
Record Updated	Oct 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	72 ELM ST SAUGUS MA 019062254, SAUGUS, MA 01906-2254

Mortgage

Document Number	0000616805
Date	Sep 29, 2020
Instrument	616805

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 28, 2050

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	$7,567.00 (+4.06%)	$726,200 (+6.65%) Land $347,000 Building $374,200	$723,806 (+6.43%)
2025	$7,272.00 (+2.78%)	$680,900 (+2.5%) Land $317,100 Building $363,800	$680,105
2024	$7,075.00 (+3.8%)	$664,300 (+9.75%) Land $308,500 Building $355,800
2023	$6,816.00	$605,300 Land $269,900 Building $335,400

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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

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

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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 501 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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