Essex County and Saugus Town property record for 94 Howard St, Saugus, MA 01906
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,072 sqft · built 1960 |
| Lot Size | 0.211 acres (9,200 sqft) |
| Owner | Individual Name on File |
| Last Sale | $880,000 (Jun 2026) |
| Tax Bill | $7,622 (2026) |
| Deeds & Mortgages | Jun 2022 Refinance Jun 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SAUG M:010-B B:0002 L:0022 |
| Primary APN | SAUG M:010-B B:0002 L:0022 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,072 sqft Living Area |
| Gross Area | 4,328 sqft |
| 1st Floor Area | 1,036 sqft |
| Basement Area | 1,036 sqft |
| Unfinished Basement | 1,036 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 9,200 sqft (0.211 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 5479018 |
|---|---|
| Street Address | 94 HOWARD ST |
| City | SAUGUS |
| State | MA |
| Zip | 01906-4013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NA |
| Legal Block | 2 |
| Legal Lot Number | 22 |
| Jurisdiction | SAUGUS MA |
| Township / Civil Division | SAUGUS |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 208402 |
94 Howard St is owned and occupied by an individual who bought it in June 2026.
Source: Essex County and Saugus Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 94 HOWARD ST, SAUGUS, MA 01906-4013 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 6, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance BROKER SOLUTIONS INC |
| Jun 3, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage CROSSCOUNTY MORTGAGE INC |
| Feb 23, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Sep 3, 2020 | Deed of Trust, Mortgage · Line of Credit EASTERN BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 3, 2026 · Amount on File |
| Deed Sale | Jun 3, 2026 · Amount on File |
| Deed Document Number | 2026666599 |
| Prior Transfer Date | Feb 17, 2023 |
| Prior Transfer Doc | 0000642674 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 94 HOWARD ST, SAUGUS, MA 01906-4013 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000636824 |
|---|---|
| Date | Jun 6, 2022 |
| Instrument | 636824 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAUGUS MA |
| Recording Date | Jun 3, 2026 |
| Property Address | 94 HOWARD ST, SAUGUS, MA 01906-4013 |
| Document Number | 0000666599 |
| Instrument Date | May 28, 2026 |
| Instrument | 2026666599 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 94 HOWARD ST, SAUGUS, MA 01906-4013 |
| Date | Jun 3, 2026 |
|---|
| Name | CROSSCOUNTY MORTGAGE INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAUGUS MA |
| Recording Date | Feb 23, 2023 |
| Property Address | 94 HOWARD ST, SAUGUS, MA 01906-4013 |
| Document Number | 0000642674 |
| Instrument Date | Feb 17, 2023 |
| Instrument | 642674 |
| Transaction Type | Transfer |
| Record Updated | Mar 10, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11 HENRY ST # STM, STM, SAUGUS, MA 01906-1814 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 94 HOWARD ST, SAUGUS, MA 01906-4013 |
| Document Number | 0000619214 |
| Instrument Date | Sep 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 94 HOWARD ST SAUGUS MA 019064013, SAUGUS, MA 01906-4013 |
| Document Number | 0000619214 |
|---|---|
| Date | Dec 1, 2020 |
| Instrument | 619214 |
| Name | EASTERN BK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 94 Howard St was $7,622, up 4.3% from the year before.
Source: Essex County and Saugus Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Saugus Town |
| Unified School District | Saugus School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,622.00 (+4.31%) | $731,500 (+6.91%) Land $325,600 Building $405,300 | $815,038 (+28.66%) |
| 2025 | $7,307.00 (+5.44%) | $684,200 (+5.15%) Land $294,400 Building $389,800 | $633,460 |
| 2024 | $6,930.00 (+1.9%) | $650,700 (+7.73%) Land $267,600 Building $383,100 | |
| 2023 | $6,801.00 | $604,000 Land $240,800 Building $363,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 94 Howard St in Zone X, an area of minimal flood risk, within 100 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 100 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 risk around 94 Howard St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 90% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 268 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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