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166168 Central St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 166168 Central St, Saugus, MA 01906

Property Summary

Property TypeDuplex
Details7 bd · 4 ba · 2,888 sqft · built 1880
Lot Size0.251 acres (10,951 sqft)
Owner2 Individual Names on File
Last Sale$182,000 (Nov 2009)
Tax Bill$7,972 (2025)
Deeds & MortgagesOct 2017 Mortgage
Jan 2021 Refinance
Flood ZoneZone AE (high risk)
APNSAUG M:011-F B:0002 L:0011

Property Details

APN / Parcel Number

Primary APNSAUG M:011-F B:0002 L:0011
Alternative APNs
  • M:011=F B:0002 L:0011
  • 889032

Interior

Bedrooms7 Beds
Full Baths4 Baths
Half Baths2 Half Baths
Total Rooms12 Rooms
Units2 Units
Stories3 Stories
Building Area2,888 sqft Living Area
Gross Area4,576 sqft
1st Floor Area1,050 sqft
Basement Area1,050 sqft
Unfinished Basement1,050 sqft

Exterior

Year BuiltBuilt 1880
Effective Year BuiltEffective 1880
Architectural StyleOther
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area10,951 sqft (0.251 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account Number889032
Street Address166168 CENTRAL ST
CitySAUGUS
StateMA
Zip01906-2120
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Local Zoning CodeNA
Legal Block2
Legal Lot Number11
JurisdictionSAUGUS MA
Township / Civil DivisionSAUGUS
Census Block Group3
Census Block3025
Census Tract208302

Owner

166168 Central St, a duplex, is owned by two individuals who bought it in November 2009.

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

Owner of Record2 Individual Names on File
Mailing Address166 CENTRAL ST, 168, SAUGUS, MA 01906-2049
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Oct 18, 2017Deed of Trust, Mortgage
MSA MORTGAGE LLC
Jan 6, 2021Deed of Trust, Mortgage · Stand-Alone Refinance
MSA LENDING LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 27, 2009 · Amount on File
Deed SaleNov 27, 2009 · Amount on File
Prior SaleApr 7, 2009 · Amount on File
Deed Book / Page29101 / 507
Transfer Doc2099000572
Record UpdatedOct 29, 2026

October 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAUGUS MA
Property Address166168 CENTRAL ST, SAUGUS, MA 01906-2120
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number36260-356
DateOct 18, 2017
Book Page36260/356
Instrument50
Lender
NameMSA MORTGAGE LLC
TypeMortgage Company
Agreement
AmountAmount on Record
Term240 Months
DueOct 1, 2037

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAUGUS MA
Property Address166168 CENTRAL ST, SAUGUS, MA 01906-2120
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number39382-159
DateJan 6, 2021
Book Page39382/159
Instrument20200106003400
Lender
NameMSA LENDING LLC
TypeLending Institution
Agreement
TypeStand-Alone Refinance
AmountAmount on Record
Term181 Months
DueFeb 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 166168 Central St was $7,972, up 5.3% from the year before.

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 Value
2025$7,972.00 (+5.25%)$746,400 (+4.95%) Land $300,100 Building $446,300
2024$7,574.00 (+5.84%)$711,200 (+11.91%) Land $272,900 Building $438,300
2023$7,156.00$635,500 Land $245,600 Building $389,900

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 166168 Central St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
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

Wildfire risk around 166168 Central St is low, with a 0.01% annual chance of 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
ExposureNone
beyond 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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