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Single Family ResidenceResidential
$587,560$385 / 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 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

20 RICHARD ST

SAUGUS, MA 01906
3
Beds
2.5
Baths
1,528 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.
0.14 ac
Lot SizeThe size of the land the home sits on, from county records.
1930
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$588K
$553K low$622K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$562,560
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$450,048
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.4%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$25,000
ST JEANS CU · recorded Jun 12, 2018

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,697 (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.$533,400 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$319,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$214,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$635,930

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.27 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.79%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

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
StyleThe architectural style of the home, such as ranch or colonial.Bungalow
CountyESSEX
Lot (acres)The size of the land the home sits on, from county records.0.14
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.Hot Water
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(1)

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.

E
Veterans Early Learning Center
Elementary · Grades PK–1 · 0.7 mi
M
Saugus Middle SchoolC-
Middle · Grades 6–8 · 1.3 mi
H
Saugus High SchoolC-
High · Grades 9–12 · 1.8 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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.Yes

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

20 Richard 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 less than 72% of homes in Saugus 01906
  • Smaller than 65% of homes in Essex County
  • Has a smaller lot than 75% of homes in Saugus 01906
  • Older than 68% 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
$364K$1.4M

This home is worth more than 28% 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$587,560
CheaperTypical $651,366Pricier

Pricier than 28% of homes nearby

Price per ft²$385
CheaperTypical $400Pricier

Pricier than 42% of homes nearby

Living area1,528 ft²
SmallerTypical 1,716 ft²Bigger

Bigger than 39% of homes nearby

Lot size0.14 ac
SmallerTypical 0.23 acBigger

Bigger than 25% of homes nearby

Year built1930
OlderTypical 1956Newer

Newer than 32% of homes nearby

How 20 Richard St ranks against every home in each area.
MeasureThis homeSaugus 01906Essex County
Estimated valuepricier than$587,56028% of homes31% of homes
Price per ft²pricier than$38542% of homes41% of homes
Living areabigger than1,528 ft²39% of homes35% of homes
Lot sizebigger than0.14 ac25% of homes26% of homes
Year builtnewer than193032% of homes35% of homes

About 20 Richard St

How much is 20 Richard St, Saugus, MA worth?

The TopHap Estimate for 20 Richard St, Saugus, MA is $587,560 as of Jul 14, 2026. The likely range is $553,151 to $621,969. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20 Richard St, Saugus, MA last sell?

20 Richard St, Saugus, MA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 20 Richard St, Saugus, MA?

20 Richard St, Saugus, MA has 3 bedrooms, 2.5 bathrooms, 1,528 square feet of living space and a 0.14-acre lot.

When was 20 Richard St, Saugus, MA built?

20 Richard St, Saugus, MA was built in 1930, making it 96 years old. It is a bungalow home. The building has 1 story.

What schools serve 20 Richard St, Saugus, MA?

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

How does 20 Richard St, Saugus, MA compare to other homes in Saugus 01906?

Among the 8,776 homes in Saugus 01906, it is worth more than 28% of them ($587,560 against a typical $651,366), its price per square foot is higher than 42% of them ($385 against a typical $400), it is bigger than 39% of them (1,528 ft² against a typical 1,716 ft²), its lot is bigger than 25% of them (0.14 ac against a typical 0.23 ac) and it is newer than 32% of them (1930 against a typical 1956). Measured against all of Essex County, it is worth more than 31% 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 20 Richard St, Saugus, MA?

The 2025 property tax bill for 20 Richard St, Saugus, MA was $5,697. The county assessed it at $533,400.

More homes on Richard St

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Assigned schools

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