78 Bow St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 78 Bow St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,248 sqft · built 1920
Lot Size	0.237 acres (10,311 sqft)
Owner	2 Individual Names on File
Last Sale	$130,000 (Jul 1998)
Tax Bill	$6,315 (2025)
Deeds & Mortgages	Oct 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:015-E B:0010 L:0004`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:015-E B:0010 L:0004`
Alternative APNs	`M:015=E B:0010 L:0004` `6885004`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,248 sqft Living Area
Gross Area	3,945 sqft
1st Floor Area	1,672 sqft
Basement Area	1,480 sqft
Unfinished Basement	1,480 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,311 sqft (0.237 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	6885004
Street Address	78 BOW ST
City	SAUGUS
State	MA
Zip	01906-1142
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Subdivision	THERESA B O KEEFE & SUSAN A AY
Legal Block	10
Legal Lot Number	4
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1006
Census Tract	208302

Owner

Source: Essex County and Saugus Town records · APN SAUG M:015-E B:0010 L:0004

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	78 BOW ST, SAUGUS, MA 01906-1142
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 17, 1998 · Amount on Record
Deed Sale	Jul 17, 1998 · Amount on Record
Deed Book / Page	14960 / 107
Record Updated	Sep 20, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	78 BOW ST, SAUGUS, MA 01906-1142
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37079-67
Date	Oct 15, 2018
Book Page	37079/67
Instrument	181015000890

Lender

Name	NORTH SHORE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$6,315.00 (+4.43%)	$591,300 (+4.14%) Land $316,100 Building $275,200	$627,475
2024	$6,047.00 (+2.74%)	$567,800 (+8.63%) Land $298,000 Building $269,800
2023	$5,886.00	$522,700 Land $261,900 Building $260,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Essex County (25009C), as of July 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250092083021, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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	1 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 233 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MA3262000, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SAUGUS WATER DEPT. (MWRA) serves 27,844 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.