196 Central St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 196 Central St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	8 bd · 2 ba · 4,000 sqft · built 1780
Lot Size	0.476 acres (20,739 sqft)
Owner	2 Company Names on Record
Last Sale	$525,000 (May 2021)
Tax Bill	$11,393 (2026)
Deeds & Mortgages	Nov 2025 Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:010-F B:0002 L:0020`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:010-F B:0002 L:0020`
Alternative APNs	`M:010=F B:0002 L:0020` `3026013`

Interior

Bedrooms	8 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	16 Rooms
Stories	2 Stories
Building Area	4,000 sqft Living Area
Gross Area	4,589 sqft
1st Floor Area	2,000 sqft
Basement Area	549 sqft
Unfinished Basement	549 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1780
Effective Year Built	Effective 1780
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,739 sqft (0.476 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Coal

Location & Zoning

Account Number	3026013
Street Address	196 CENTRAL ST
City	SAUGUS
State	MA
Zip	01906-2137
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	2
Legal Lot Number	20
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	3
Census Block	3028
Census Tract	208302

Owner

Source: Essex County and Saugus Town records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	29 ARROWHEAD DR, SAUGUS, MA 01906-1910
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2025	Deed of Trust, Mortgage CHARLES BARTOLOMEO
May 10, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MAIN STREET LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2021 · Amount on Record
Deed Sale	May 10, 2021 · Amount on Record
Deed Document Number	20215240
Deed Book / Page	39860 / 59
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	196 CENTRAL ST, SAUGUS, MA 01906-2137
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	043075-518
Date	Nov 18, 2025
Book Page	43075/518
Instrument	20251118001060

Lender

Name	CHARLES BARTOLOMEO

Agreement

Amount	Amount Recorded

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	May 10, 2021
Property Address	196 CENTRAL ST, SAUGUS, MA 01906-2137
Document Number	39860-59
Book / Page	39860 / 59
Instrument Date	May 10, 2021
Instrument	20210510005240
Transaction Type	Transfer
Record Updated	May 28, 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
Address	29 ARROWHEAD DR, SAUGUS, MA 01906-1910
Investor	Possibly a Property Investor

Mortgage

Document Number	210510005250
Date	May 10, 2021
Instrument	210510005250

Lender

Name	MAIN STREET LENDING LLC

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
2026	$11,393.00 (+84.08%)	$1,093,400 (+88.68%) Land $367,700 Building $725,700
2025	$6,189.00 (+6.43%)	$579,500 (+6.14%) Land $330,300 Building $249,200	$1,022,390
2024	$5,815.00 (+1.25%)	$546,000 (+7.06%) Land $300,300 Building $245,700
2023	$5,743.00	$510,000 Land $270,300 Building $239,700

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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	None 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 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 501 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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