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102 Central St, Unit 2B, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 102 Central St, Unit 2B, Saugus, MA 01906

Property Summary

Property TypeCondominium
Details3 bd · 1.5 ba · 1,619 sqft · built 2006
OwnerIndividual Name on Record
Last Sale$418,000 (Jul 2017)
Tax Bill$6,893 (2025)
Deeds & MortgagesJan 2023 Line of Credit
Jul 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNSAUG M:012-F B:0014 L:0006

Property Details

APN / Parcel Number

Primary APNSAUG M:012-F B:0014 L:0006
Alternative APN
  • M:012-F B:0024 L:0003-B

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Units24 Units
Stories2 Stories
Building Area1,619 sqft Living Area
Gross Area2,317 sqft
1st Floor Area1,173 sqft
Basement Area892 sqft
Unfinished Basement446 sqft

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Architectural StyleOther
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating FuelElectric

Location & Zoning

Street Address102 CENTRAL ST, 2B
CitySAUGUS
StateMA
Zip01906-1294
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal Block14
Legal Lot Number6
JurisdictionSAUGUS MA
Township / Civil DivisionSAUGUS
Census Block Group3
Census Block3002
Census Tract208302

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 RecordIndividual Name on Record
Mailing Address102 CENTRAL ST, 2B, SAUGUS, MA 01906-1294
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 9, 2023Deed of Trust, Mortgage · Line of Credit
CITIZENS BANK
Jul 26, 2017Quit Claim Deed, Transfer · FHA Mortgage
STEARNS LNDG

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 26, 2017 · Amount on Record
Deed SaleJul 26, 2017 · Amount on Record
Prior SaleMay 25, 2006 · Amount on Record
Deed Document Number2017210
Deed Book / Page36047 / 323
Transfer Doc036047-323
Record UpdatedOct 29, 2026

January 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAUGUS MA
Property Address102 CENTRAL ST UNIT 2B, 2B, SAUGUS, MA 01906-1294
Transaction TypeMortgage
Record UpdatedApr 3, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number041390-154
DateJan 9, 2023
Book Page41390/154
Instrument20230109000090
Lender
NameCITIZENS BANK
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Term289 Months
DueFeb 1, 2047
Interest
Rate TypeAdjustable Rate

July 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAUGUS MA
Recording DateJul 26, 2017
Property Address102 CENTRAL ST UNIT 2B, 2B, SAUGUS, MA 01906-1294
Document Number36047-323
Book / Page036047 / 000323
Instrument DateJul 18, 2017
Instrument1707260210
Transaction TypeTransfer
Record UpdatedAug 15, 2017

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,906.00
Amount AccuracyConfirmed
Additional
  • Quitclaim
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address102 CENTRAL ST #2B SAUGUS MA 019061294, 2B, SAUGUS, MA 01906-1294

Mortgage

Document Number36047-326
DateJul 26, 2017
Book Page036047/000326
Instrument1707260211
Lender
NameSTEARNS LNDG
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 25, 2047

Tax Assessment & Valuation

Source: Essex County and Saugus Town assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyEssex County
County SubdivisionSaugus Town
Unified School DistrictSaugus School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,893.00 (+2.3%)$645,400 (+2.01%) Building $645,400$633,460
2024$6,738.00 (+7.04%)$632,700 (+13.16%) Building $632,700
2023$6,295.00$559,100 Building $559,100

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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 RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureIndirect
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 SystemSAUGUS WATER DEPT. (MWRA)
serves 27,844 people · EPA ID MA3262000
Water SourcePurchased surface water from MWRA
Last State InspectionMay 2025
Lead1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 337 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
T-Mobile
Fixed Wireless		100 / 20

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