8 Valley St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 8 Valley St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,533 sqft · built 1925
Lot Size	0.186 acres (8,102 sqft)
Owner	2 Individual Names on File
Last Sale	$94,000 (Aug 1996)
Tax Bill	$6,402 (2026)
Deeds & Mortgages	Mar 2023 Line of Credit Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:011-A B:0014 L:0022`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:011-A B:0014 L:0022`
Alternative APNs	`M:011=A B:0014 L:0022` `7495028`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,533 sqft Living Area
Gross Area	3,143 sqft
1st Floor Area	1,106 sqft
Basement Area	981 sqft
Unfinished Basement	981 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,102 sqft (0.186 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	7495028
Street Address	8 VALLEY ST
City	SAUGUS
State	MA
Zip	01906-4083
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	14
Legal Lot Number	22
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1000
Census Tract	208402

Owner

8 Valley St is owned and occupied by two individuals who bought it in August 1996.

Source: Essex County and Saugus Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	8 VALLEY ST, SAUGUS, MA 01906-4083
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2023	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Nov 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSS CNTRY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 1996 · Amount on File
Deed Sale	Aug 30, 1996 · Amount on File
Prior Sale	Aug 30, 1996 · Amount on File
Deed Book / Page	13733 / 278
Transfer Doc	1373000278
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	8 VALLEY ST, SAUGUS, MA 01906-4083
Transaction Type	Mortgage
Record Updated	Apr 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041498-287
Date	Mar 31, 2023
Book Page	41498/287
Instrument	20230331000010

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	8 VALLEY ST, SAUGUS, MA 01906-4083
Document Number	0000618548
Instrument Date	Nov 6, 2020
Transaction Type	Mortgage
Record Updated	Dec 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8 VALLEY ST ST SAUGUS MA 01906, SAUGUS, MA 01906

Mortgage

Document Number	0000618548
Date	Nov 12, 2020
Instrument	618548

Lender

Name	CROSS CNTRY MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Nov 11, 2030

Tax Assessment & Valuation

The 2026 property tax bill for 8 Valley St was $6,402, up 3.2% from the year before.

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	$6,402.00 (+3.24%)	$614,400 (+5.82%) Land $339,200 Building $274,000	$641,735 (-2.16%)
2025	$6,201.00 (+4.55%)	$580,600 (+4.26%) Land $308,400 Building $272,200	$655,880
2024	$5,931.00 (+2.63%)	$556,900 (+8.52%) Land $290,700 Building $266,200
2023	$5,779.00	$513,200 Land $255,500 Building $257,700

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

Flood

FEMA maps place 8 Valley St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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	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

The area around 8 Valley St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 184 locations within half a mile, as of December 31, 2025

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

May also be available: Astound Broadband.

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