Essex County and Saugus Town property record for 76 Elm St, Saugus, MA 01906
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,200 sqft · built 1951 |
| Lot Size | 0.276 acres (12,027 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $6,197 (2026) |
| Deeds & Mortgages | Apr 2019 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | SAUG M:010-F B:0007 L:0007 |
| Primary APN | SAUG M:010-F B:0007 L:0007 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,200 sqft Living Area |
| Gross Area | 3,136 sqft |
| 1st Floor Area | 800 sqft |
| Basement Area | 800 sqft |
| Unfinished Basement | 800 sqft |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,027 sqft (0.276 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 7554011 |
|---|---|
| Street Address | 76 ELM ST |
| City | SAUGUS |
| State | MA |
| Zip | 01906-2255 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NA |
| Legal Block | 7 |
| Legal Lot Number | 7 |
| Jurisdiction | SAUGUS MA |
| Township / Civil Division | SAUGUS |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 208302 |
76 Elm St is owned and occupied by an individual.
Source: Essex County and Saugus Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 76 ELM ST, SAUGUS, MA 01906-2255 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 76 ELM ST, SAUGUS, MA 01906-2255 |
| Document Number | 0000601505 |
| Instrument Date | Apr 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 76 ELM ST SAUGUS MA 019062255, SAUGUS, MA 01906-2255 |
| Document Number | 0000601505 |
|---|---|
| Date | Apr 30, 2019 |
| Instrument | 601505 |
| Name | CITIZENS BK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 76 Elm St was $6,197, up 3.6% from the year before.
Source: Essex County and Saugus Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Saugus Town |
| Unified School District | Saugus School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,197.00 (+3.56%) | $594,700 (+6.14%) Land $372,700 Building $222,000 | $772,968 (+46.74%) |
| 2025 | $5,984.00 (+2.59%) | $560,300 (+2.3%) Land $340,500 Building $219,800 | $526,775 |
| 2024 | $5,833.00 (+4.29%) | $547,700 (+10.27%) Land $331,300 Building $216,400 | |
| 2023 | $5,593.00 | $496,700 Land $289,900 Building $206,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 76 Elm St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 risk around 76 Elm St is low, with 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 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 337 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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