86 School St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 86 School St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,344 sqft · built 1909
Lot Size	0.219 acres (9,548 sqft)
Owner	2 Individual Names on Record
Last Sale	$342,500 (Sep 2016)
Tax Bill	$6,445 (2026)
Deeds & Mortgages	Sep 2020 Refinance Feb 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:005-E B:0005 L:0009`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:005-E B:0005 L:0009`
Alternative APNs	`M:005=E B:0005 L:0009` `7803007`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,344 sqft Living Area
Gross Area	2,379 sqft
1st Floor Area	672 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	9,548 sqft (0.219 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	7803007
Street Address	86 SCHOOL ST
City	SAUGUS
State	MA
Zip	01906-4365
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	5
Legal Lot Number	9
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2010
Census Tract	208101

Owner

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	86 SCHOOL ST, SAUGUS, MA 01906-4365
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance EVOLVE BANK & TRUST
Feb 7, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2016 · Amount on Record
Deed Sale	Sep 2, 2016 · Amount on Record
Prior Sale	Jul 3, 2008
Deed Book / Page	35233 / 566
Last Transfer Date	Feb 6, 2020
Transfer Doc	38246-421
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	86 SCHOOL ST, SAUGUS, MA 01906-4365
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38965-150
Date	Sep 22, 2020
Book Page	38965/150
Instrument	20200922003220

Lender

Name	EVOLVE BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Feb 7, 2020
Property Address	86 SCHOOL ST, SAUGUS, MA 01906-4365
Document Number	38246-421
Book / Page	038246 / 000421
Instrument Date	Feb 6, 2020
Instrument	7000590
Transaction Type	Transfer
Record Updated	Feb 25, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	86 SCHOOL ST SAUGUS MA 019064365, SAUGUS, MA 01906-4365

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
2026	$6,445.00 (+2.92%)	$618,500 (+5.49%) Land $362,700 Building $235,900	$616,729 (+5.4%)
2025	$6,262.00 (+2.47%)	$586,300 (+2.18%) Land $331,300 Building $255,000	$585,105
2024	$6,111.00 (+2.65%)	$573,800 (+8.53%) Land $322,400 Building $251,400
2023	$5,953.00	$528,700 Land $282,100 Building $246,600

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1979–1984)
Most Recent Claim	Jun 1984 · tidal / storm surge

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband, Netafy.

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