85 Vine St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 85 Vine St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,956 sqft · built 1910
Lot Size	0.364 acres (15,838 sqft)
Owner	2 Individual Names on Record
Last Sale	$431,000 (Jun 2019)
Tax Bill	$6,768 (2025)
Deeds & Mortgages	Dec 2021 Refinance Aug 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:007-D B:0005 L:0033`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:007-D B:0005 L:0033`
Alternative APNs	`M:007=D B:0005 L:0033` `9437004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,956 sqft Living Area
Gross Area	4,095 sqft
1st Floor Area	1,012 sqft
Basement Area	908 sqft
Unfinished Basement	908 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,838 sqft (0.364 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	9437004
Street Address	85 VINE ST
City	SAUGUS
State	MA
Zip	01906-3433
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Subdivision	EDWARD POOLE
Legal Block	5
Legal Lot Number	33
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	3
Census Block	3022
Census Tract	208200

Owner

Source: Essex County and Saugus Town records, as of July 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	85 VINE ST, SAUGUS, MA 01906-3433
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Aug 23, 2022	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Jun 14, 2019	Deed of Trust, Mortgage · Conventional with PMI MORTGAGE NTWK
Jun 14, 2019	Quit Claim Deed, Transfer · Conventional with PMI MORTGAGE NTWK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2019 · Amount on Record
Deed Sale	Jun 14, 2019 · Amount on Record
Prior Sale	Aug 12, 1998 · Amount on Record
Deed Document Number	20195950
Deed Book / Page	37588 / 401
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	85 VINE ST, SAUGUS, MA 01906-3433
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040622-279
Date	Dec 30, 2021
Book Page	40622/279
Instrument	20211230002960

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	85 VINE ST, SAUGUS, MA 01906-3433
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041147-236
Date	Aug 23, 2022
Book Page	41147/236
Instrument	323

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	85 VINE ST, SAUGUS, MA 01906-3433
Document Number	37618-66
Instrument Date	Jun 14, 2019
Transaction Type	Mortgage
Record Updated	Jul 16, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 VINE ST SAUGUS MA 019063433, SAUGUS, MA 01906-3433

Mortgage

Document Number	37618-66
Date	Jun 26, 2019
Book Page	037618/000066
Instrument	1906263570

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2049

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jun 14, 2019
Property Address	85 VINE ST, SAUGUS, MA 01906-3433
Document Number	37588-401
Book / Page	037588 / 000401
Instrument Date	Jun 6, 2019
Instrument	1906145950
Transaction Type	Transfer
Record Updated	Jul 2, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,965.36
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	85 VINE ST SAUGUS MA 019063433, SAUGUS, MA 01906-3433

Mortgage

Document Number	37588-403
Date	Jun 14, 2019
Book Page	037588/000403
Instrument	1906145960

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 2049

Tax Assessment & Valuation

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
2025	$6,768.00 (+5.92%)	$633,700 (+5.62%) Land $316,300 Building $317,400	$655,595
2024	$6,390.00 (+0.05%)	$600,000 (+5.78%) Land $287,500 Building $312,500
2023	$6,387.00	$567,200 Land $261,600 Building $305,600

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

Flood

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	9 (1991–2008)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Dec 2008 · Severe Winter Storm And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 4 claims Extreme Weather Conditons And Flooding, Oct 1996 · 2 claims

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

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 217 locations within half a mile, as of December 31, 2025

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

May also be available: Netafy.

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