102 Central St, Unit 5D, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 102 Central St, Unit 5D, Saugus, MA 01906

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,582 sqft · built 2006
Owner	2 Individual Names on Record
Last Sale	$425,000 (Aug 2020)
Tax Bill	$5,861 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Dec 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:012-F B:0014 L:0020`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:012-F B:0014 L:0020`
Alternative APNs	`M:012-F B:0054 L:0003-D` `4420015`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Units	24 Units
Stories	2 Stories
Building Area	1,582 sqft Living Area
Gross Area	2,474 sqft
1st Floor Area	1,582 sqft
Basement Area	892 sqft
Unfinished Basement	892 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	4420015
Street Address	102 CENTRAL ST, 5D
City	SAUGUS
State	MA
Zip	01906-1295
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Subdivision	102 CENTRAL STREET CONDO
Legal Block	14
Legal Lot Number	20
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	3
Census Block	3002
Census Tract	208302

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	2 Individual Names on Record
Mailing Address	102 CENTRAL ST, 5D, SAUGUS, MA 01906-1295
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage
Dec 21, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) DISCOVER BANK
Aug 4, 2020	Condominium Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2020 · Amount on Record
Deed Sale	Aug 4, 2020 · Amount on Record
Prior Sale	May 25, 2006 · Amount on Record
Deed Book / Page	38788 / 161
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Recording Date	Jun 9, 2026
Property Address	102 CENTRAL ST, 5D, SAUGUS, MA 01906-1295
Document Number	043433-103
Book / Page	43433 / 103
Instrument Date	Jun 3, 2026
Instrument	202630
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 CENTRAL ST, 5D, SAUGUS, MA 01906-1295

Mortgage

Document Number	0000000030,
Date	Jun 9, 2026
Book Page	43433/103
Instrument	202630

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	102 CENTRAL ST UNIT 5D, 5D, SAUGUS, MA 01906-1295
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041364-437
Date	Dec 21, 2022
Book Page	41364/437
Instrument	20221221001060

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2052

August 2020: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	SAUGUS MA
Recording Date	Aug 4, 2020
Property Address	102 CENTRAL ST UNIT 5D, 5D, SAUGUS, MA 01906-1295
Document Number	38788-161
Book / Page	38788 / 161
Instrument Date	Aug 4, 2020
Instrument	20200804007510
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Relationship	Tenants by the Entirety
Address	102 CENTRAL ST UNIT 5D, 5D, SAUGUS, MA 01906-1295

Mortgage

Document Number	200804007520
Date	Aug 4, 2020
Instrument	200804007520

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First 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	$5,861.00 (+3.51%)	$548,800 (+3.24%) Building $548,800	$539,315
2024	$5,662.00 (+8.49%)	$531,600 (+14.69%) Building $531,600
2023	$5,219.00	$463,500 Building $463,500

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
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

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

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect 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 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 337 locations within half a mile, as of December 31, 2025

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

102 Central St, Unit 5D, Saugus, MA 01906 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

June 2026: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

December 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2020: Condominium Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Central St

Nearby Streets

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