18 Central St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 18 Central St, Saugus, MA 01906 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,025 sqft · built 1968
Lot Size	0.196 acres (8,551 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,221 (2025)
Deeds & Mortgages	Apr 2021 Refinance Sep 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:013-E B:0004 L:0019`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:013-E B:0004 L:0019`
Alternative APNs	`M:013=E B:0004 L:0019` `2688004`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,025 sqft Living Area
Gross Area	3,037 sqft
1st Floor Area	1,372 sqft
Basement Area	1,188 sqft
Unfinished Basement	535 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,551 sqft (0.196 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2688004
Street Address	18 CENTRAL ST
City	SAUGUS
State	MA
Zip	01906-1208
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	4
Legal Lot Number	19
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	3
Census Block	3000
Census Tract	208302

Owner

Source: Essex County and Saugus Town records · APN SAUG M:013-E B:0004 L:0019

Assessment roll updated April 14, 2026 · Last verified August 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 File
Mailing Address	18 CENTRAL ST, SAUGUS, MA 01906-1208
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DIRECT CU
Sep 29, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) MASSACHUSETTS FAMILY CREDIT UNION
Apr 28, 2023	Quit Claim Deed, Transfer Quitclaim
Oct 27, 2017	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Apr 24, 2023
Transfer Doc	0041541-89
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	18 CENTRAL ST, SAUGUS, MA 01906-1208
Transaction Type	Mortgage
Record Updated	Jan 09, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039754-444
Date	Apr 12, 2021
Book Page	39754/444
Instrument	20210412001580

Lender

Name	DIRECT CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	May 01, 2041

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	18 CENTRAL ST, SAUGUS, MA 01906-1208
Transaction Type	Mortgage
Record Updated	Jan 09, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041783-593
Date	Sep 29, 2023
Book Page	41783/593
Instrument	42

Lender

Name	MASSACHUSETTS FAMILY CREDIT UNION

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	301 Months
Due	Oct 01, 2048

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Apr 28, 2023
Property Address	18 CENTRAL ST, SAUGUS, MA 01906-1208
Document Number	0041541-89
Book / Page	41541 / 89
Instrument Date	Apr 24, 2023
Instrument	20230428002950
Transaction Type	Transfer
Record Updated	Jan 09, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 SUSAN DR, SAUGUS, MA 01906-1237

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Oct 27, 2017
Property Address	18 CENTRAL ST, SAUGUS, MA 01906-1208
Document Number	36283-346
Book / Page	036283 / 000346
Instrument Date	Oct 26, 2017
Instrument	1710270300
Transaction Type	Transfer
Record Updated	Nov 14, 2017
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	43 LIME ST #43 NEWBURYPORT MA 019502917, 43, NEWBURYPORT, MA 01950-2917

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	18 CENTRAL ST, SAUGUS, MA 01906-1208
Document Number	36283-349
Instrument Date	Oct 23, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	36283-349
Date	Oct 27, 2017
Book Page	036283/000349
Instrument	1710270310

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 26, 2047

Tax Assessment & Valuation

Source: Essex County and Saugus Town records · Assessment roll updated April 14, 2026 · Last verified August 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,221.00 (+6%)	$582,500 (+5.7%) Land $292,200 Building $290,300	$880,270
2024	$5,869.00 (+6.15%)	$551,100 (+12.24%) Land $265,700 Building $285,400
2023	$5,529.00	$491,000 Land $239,100 Building $251,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Essex County (25009C), updated July 10, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

18 Central St, 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

April 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2023: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

October 2017: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

October 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Nearby Properties on Central St

Nearby Streets

Search Property Records by Address or Parcel Number