Essex County and Saugus Town property record for 77 Elm St, Saugus, MA 01906
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,765 sqft · built 1930 |
| Lot Size | 0.195 acres (8,499 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $475,000 (Aug 2019) |
| Tax Bill | $6,708 (2026) |
| Deeds & Mortgages | Mar 2026 Line of Credit Jul 2023 Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | SAUG M:011-F B:0003 L:0001 |
| Primary APN | SAUG M:011-F B:0003 L:0001 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,765 sqft Living Area |
| Gross Area | 2,408 sqft |
| 1st Floor Area | 1,102 sqft |
| Basement Area | 414 sqft |
| Unfinished Basement | 414 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,499 sqft (0.195 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 9292008 |
|---|---|
| Street Address | 77 ELM ST |
| City | SAUGUS |
| State | MA |
| Zip | 01906-2252 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NA |
| Legal Block | 3 |
| Legal Lot Number | 1 |
| Jurisdiction | SAUGUS MA |
| Township / Civil Division | SAUGUS |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 208302 |
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 | 77 ELM ST, SAUGUS, MA 01906-2252 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Mar 27, 2026 | Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU |
| Jul 17, 2023 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Sep 9, 2024 | Quit Claim Deed, Transfer · Line of Credit GEORGIA'S OWN CREDIT UNION |
| Apr 15, 2022 | Quit Claim Deed, Transfer · Stand-Alone Refinance EVOLVE BANK & TRUST |
| Aug 6, 2019 | Quit Claim Deed, Transfer · FHA Mortgage GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 6, 2019 · Amount on Record |
| Deed Sale | Aug 6, 2019 · Amount on Record |
| Prior Sale | Jun 17, 2013 · Amount on Record |
| Deed Document Number | 20193860 |
| Deed Book / Page | 37733 / 384 |
| Last Transfer Date | Sep 3, 2024 |
| Transfer Doc | 4231000279 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 77 ELM ST, SAUGUS, MA 01906-2252 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2026 |
| Name | Verified Name |
|---|
| Document Number | 043297-411 |
|---|---|
| Date | Mar 27, 2026 |
| Book Page | 43297/411 |
| Instrument | 20260327002250 |
| Name | QUORUM FEDERAL CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 77 ELM ST, SAUGUS, MA 01906-2252 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 041665-122 |
|---|---|
| Date | Jul 17, 2023 |
| Book Page | 41665/122 |
| Instrument | 20230717003070 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Aug 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAUGUS MA |
| Recording Date | Sep 9, 2024 |
| Property Address | 77 ELM ST, SAUGUS, MA 01906-2252 |
| Document Number | 042315-279 |
| Book / Page | 42315 / 279 |
| Instrument Date | Sep 3, 2024 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 77 ELM ST, SAUGUS, MA 01906-2252 |
| Document Number | 0042315282 |
|---|---|
| Date | Sep 9, 2024 |
| Instrument | 42315/282 |
| Name | GEORGIA'S OWN CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAUGUS MA |
| Recording Date | Apr 15, 2022 |
| Property Address | 77 ELM ST, SAUGUS, MA 01906-2252 |
| Document Number | 00040867-1 |
| Book / Page | 40867 / 1 |
| Instrument Date | Apr 11, 2022 |
| Instrument | 20220415002180 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 77 ELM ST, SAUGUS, MA 01906-2252 |
| Document Number | 20220415002190 |
|---|---|
| Date | Apr 15, 2022 |
| Instrument | 20220415002190 |
| Name | EVOLVE BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAUGUS MA |
| Recording Date | Aug 6, 2019 |
| Property Address | 77 ELM ST, SAUGUS, MA 01906-2252 |
| Document Number | 37733-384 |
| Book / Page | 037733 / 000384 |
| Instrument Date | Jul 30, 2019 |
| Instrument | 6003860 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,166.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 77 ELM ST SAUGUS MA 019062252, SAUGUS, MA 01906-2252 |
| Document Number | 37733-387 |
|---|---|
| Date | Aug 6, 2019 |
| Book Page | 037733/000387 |
| Instrument | 6003870 |
| Name | GUARANTEED RATE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 5, 2049 |
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 | $6,708.00 (+3.12%) | $643,800 (+5.7%) Land $358,400 Building $285,000 | $1,012,553 (+60.76%) |
| 2025 | $6,505.00 (+2.8%) | $609,100 (+2.51%) Land $327,500 Building $281,600 | $629,850 |
| 2024 | $6,328.00 (+3.11%) | $594,200 (+9.03%) Land $318,600 Building $275,600 | |
| 2023 | $6,137.00 | $545,000 Land $278,800 Building $266,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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