9 Thomas St, Unit C20, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 9 Thomas St, Unit C20, Saugus, MA 01906

Property Summary

Property Type	Condominium
Details	1 bd · 1.5 ba · 897 sqft · built 1981
Owner	Individual Name on Record
Last Sale	$425,000 (Apr 2024)
Tax Bill	$3,787 (2025)
Deeds & Mortgages	Apr 2024 Sale & Refinance Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:012-D B:0012 L:0020`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:012-D B:0012 L:0020`
Alternative APNs	`M:012=D B:0012 L:0020` `1592031`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	897 sqft Living Area
1st Floor Area	897 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1982
Architectural Style	Condo/Apartment
Exterior Material	Stucco
Construction Type	Frame

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1592031
Street Address	9 THOMAS ST, C20
City	SAUGUS
State	MA
Zip	01906-4527
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	NA
Legal Block	12
Legal Lot Number	20
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1006
Census Tract	208401

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	Individual Name on Record
Mailing Address	9 THOMAS ST, C20, SAUGUS, MA 01906-4527
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2024	Quit Claim Deed, Transfer · Stand-Alone Refinance BANK OF AMERICA NA
Mar 31, 2022	Condominium Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC
Sep 3, 2021	Quit Claim Deed, Transfer · VA Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2024 · Amount on Record
Deed Sale	Apr 11, 2024 · Amount on Record
Prior Sale	Mar 31, 2022 · Amount on Record
Deed Book / Page	42063 / 497
Record Updated	Sep 20, 2026

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Apr 11, 2024
Property Address	9 THOMAS ST UNIT C20, C20, SAUGUS, MA 01906-4527
Document Number	042063-497
Book / Page	42063 / 497
Instrument Date	Mar 22, 2024
Instrument	20240411002030
Transaction Type	Transfer
Record Updated	Nov 11, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 THOMAS ST UNIT C20, C20, SAUGUS, MA 01906-4527

Mortgage

Document Number	20240411002040
Date	Apr 11, 2024
Instrument	20240411002040

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

March 2022: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	SAUGUS MA
Recording Date	Mar 31, 2022
Property Address	9 THOMAS ST UNIT C20, C20, SAUGUS, MA 01906-4527
Document Number	040833-426
Book / Page	40833 / 426
Instrument Date	Mar 31, 2022
Instrument	20220331005680
Transaction Type	Transfer
Record Updated	Apr 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 THOMAS ST UNIT C20, C20, SAUGUS, MA 01906-4527

Mortgage

Document Number	220331005690
Date	Mar 31, 2022
Instrument	220331005690

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Sep 3, 2021
Property Address	9 THOMAS ST UNIT C20, C20, SAUGUS, MA 01906-4527
Document Number	0040247-23
Book / Page	40247 / 23
Instrument Date	Sep 3, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 THOMAS ST UNIT C20, C20, SAUGUS, MA 01906-4527

Mortgage

Document Number	0004024726
Date	Sep 3, 2021
Instrument	40247/26

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded

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	$3,787.00 (+2.19%)	$354,600 (+1.9%) Building $354,600	$430,920
2024	$3,706.00 (+12.71%)	$348,000 (+19.18%) Building $348,000
2023	$3,288.00	$292,000 Building $292,000

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 308 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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