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Single Family ResidenceResidential
$1,008,099$335 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $245,000 on Feb 9, 1996

197 WATER ST

SAUGUS, MA 01906
3
Beds
3.5
Baths
3,006 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.9 ac
Lot SizeThe size of the land the home sits on, from county records.
1994
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$1M
$958K low$1.1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$245,000 · Feb 9, 1996

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$9,401 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$880,200 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$337,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$542,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$968,335

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.37
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
14
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
51
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
90
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
32
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyESSEX
Lot (acres)The size of the land the home sits on, from county records.0.90
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(14)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Saugus High SchoolC-
High · Grades 9–12 · 2.6 mi
M
Saugus Middle SchoolC-
Middle · Grades 6–8 · 2.9 mi
E
Veterans Early Learning Center
Elementary · Grades PK–1 · 3.4 mi

District: Saugus School District

Neighborhood · ZIP 01906These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.72
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.104
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.79

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.29,549
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,506 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$101,903
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$119,719
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

197 Water St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 92% of homes in Saugus 01906
  • Costs less per square foot than 80% of homes in Saugus 01906
  • Bigger than 90% of homes in Saugus 01906
  • Has a bigger lot than 98% of homes in Saugus 01906
  • Newer than 90% of homes in Saugus 01906

What homes are worth in Saugus 01906

Each bar is how many homes fall in that price range. The marker is this home.

This home
$371K$1.3M

This home is worth more than 92% of homes in Saugus 01906.

How it measures up in Saugus 01906

The dot is this home. The mark in the middle is the typical home in Saugus 01906.

Estimated value$1,008,099
CheaperTypical $647,553Pricier

Pricier than 92% of homes nearby

Price per ft²$335
CheaperTypical $399Pricier

Pricier than 20% of homes nearby

Living area3,006 ft²
SmallerTypical 1,722 ft²Bigger

Bigger than 90% of homes nearby

Lot size0.9 ac
SmallerTypical 0.23 acBigger

Bigger than 98% of homes nearby

Year built1994
OlderTypical 1956Newer

Newer than 90% of homes nearby

How 197 Water St ranks against every home in each area.
MeasureThis homeSaugus 01906Essex County
Estimated valuepricier than$1,008,09992% of homes80% of homes
Price per ft²pricier than$33520% of homes23% of homes
Living areabigger than3,006 ft²90% of homes85% of homes
Lot sizebigger than0.9 ac98% of homes81% of homes
Year builtnewer than199490% of homes85% of homes

About 197 Water St

How much is 197 Water St, Saugus, MA worth?

The TopHap Estimate for 197 Water St, Saugus, MA is $1,008,099 as of Aug 30, 2026. The likely range is $958,259 to $1,057,939. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 197 Water St, Saugus, MA last sell?

197 Water St, Saugus, MA last sold on Feb 9, 1996 for $245,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 197 Water St, Saugus, MA?

197 Water St, Saugus, MA has 3 bedrooms, 3.5 bathrooms, 3,006 square feet of living space and a 0.90-acre lot.

When was 197 Water St, Saugus, MA built?

197 Water St, Saugus, MA was built in 1994, making it 32 years old. The building has 2 stories.

What schools serve 197 Water St, Saugus, MA?

197 Water St, Saugus, MA is assigned to Saugus High School (high), rated C-; Saugus Middle School (middle), rated C-; Veterans Early Learning Center (elementary). All sit in Saugus School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 197 Water St, Saugus, MA compare to other homes in Saugus 01906?

Among the 8,776 homes in Saugus 01906, it is worth more than 92% of them ($1,008,099 against a typical $647,553), its price per square foot is higher than 20% of them ($335 against a typical $399), it is bigger than 90% of them (3,006 ft² against a typical 1,722 ft²), its lot is bigger than 98% of them (0.9 ac against a typical 0.23 ac) and it is newer than 90% of them (1994 against a typical 1956). Measured against all of Essex County, it is worth more than 80% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 197 Water St, Saugus, MA?

The 2025 property tax bill for 197 Water St, Saugus, MA was $9,401. The county assessed it at $880,200.

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