77 School St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 77 School St, Saugus, MA 01906 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,610 sqft · built 1910
Lot Size	0.119 acres (5,166 sqft)
Owner	2 Individual Names on File
Last Sale	$227,000 (Jun 2000)
Tax Bill	$5,889 (2025)
Deeds & Mortgages	Jul 2022 Refinance May 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:005-E B:0007 L:0002`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:005-E B:0007 L:0002`
Alternative APNs	`M:005=E B:0007 L:0002` `7759033`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	1,610 sqft Living Area
Gross Area	3,398 sqft
1st Floor Area	732 sqft
Basement Area	721 sqft
Unfinished Basement	721 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	5,166 sqft (0.119 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	7759033
Street Address	77 SCHOOL ST
City	SAUGUS
State	MA
Zip	01906-4361
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	FARWOOD GREEN 04
Legal Block	7
Legal Lot Number	2
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2007
Census Tract	208101

Owner

Source: Essex County and Saugus Town records · APN SAUG M:005-E B:0007 L:0002

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	77 SCHOOL ST, SAUGUS, MA 01906-4361
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance HARVARD UNIVERSITY CREDIT UNION
May 03, 2017	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Dec 04, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HARVARD UNIVERSITY CREDIT UNION

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 30, 2000 · Amount on Record
Deed Sale	Jun 30, 2000 · Amount on Record
Deed Book / Page	16426 / 64
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	77 SCHOOL ST, SAUGUS, MA 01906-4361
Transaction Type	Mortgage
Record Updated	Aug 05, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041081-359
Date	Jul 21, 2022
Book Page	41081/359
Instrument	20220721004570

Lender

Name	HARVARD UNIVERSITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Aug 01, 2047

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	77 SCHOOL ST, SAUGUS, MA 01906-4361
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35842-485
Date	May 03, 2017
Book Page	35842/485
Instrument	372

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	77 SCHOOL ST, SAUGUS, MA 01906-4361
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39254-572
Date	Dec 04, 2020
Book Page	39254/572
Instrument	20201204000380

Lender

Name	HARVARD UNIVERSITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	133 Months
Due	Jan 01, 2032

Tax Assessment & Valuation

Source: Essex County and Saugus Town records · Assessment roll updated April 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,889.00 (+2.49%)	$551,400 (+2.21%) Land $315,100 Building $236,300	$612,465
2024	$5,746.00 (+2.81%)	$539,500 (+8.68%) Land $306,600 Building $232,900
2023	$5,589.00	$496,400 Land $268,300 Building $228,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Essex County (25009C), updated July 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250092081012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1979–1984)
Most Recent Claim	Jun 1984, tidal / storm surge

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 554 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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