203 Central St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 203 Central St, Saugus, MA 01906 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1 Baths
Year Built	Built 1950
Square Footage	858 sqft Living Area
Lot Size	5,462 sqft (0.125 acres)
Occupancy	Owner Occupied
Last Sale	$485,000 (2021)
Tax Bill	$5,035.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`SAUG M:010-F B:0001 L:0002`
Alternative APNs	`M:010=F B:0001 L:0002` `9125031`

Interior

Bedrooms	3 Beds
Full Baths	1 Baths
Total Rooms	6 Rooms
Building Area	858 sqft Living Area
Gross Area	2,434 sqft Gross Area
1st Floor	660 sqft 1st Floor
Basement Area	660 sqft Basement
Unfinished Basement	660 sqft Unfinished
Stories	1 Stories

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod Style
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Frame Construction
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	5,462 sqft (0.125 acres)
Garage Type	Attached Garage

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Gas Heating Fuel

Location & Zoning

Account Number	9125031
Street Address	203 CENTRAL ST
City	SAUGUS
State	MA
Zip	01906-2126
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	2
Jurisdiction	SAUGUS MA
Minor Civil Division	SAUGUS
Census Blockgroup	1
Census Block	1008
Census Tract	208301

Owner

Source: Essex County and Saugus Town records · APN SAUG M:010-F B:0001 L:0002

Assessment roll updated April 14, 2026 · Last verified July 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	203 CENTRAL ST, SAUGUS, MA 01906-2126
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2021	Quit Claim Arm's Length for NE States, Transfer · Stand Alone First Mortgage LEADER BANK NA
Jul 06, 2020	Deed of Trust, Mortgage · Stand Alone Refinance GUARANTEED RATE INC
Oct 13, 2017	Quit Claim Arm's Length for NE States, Transfer · Federal Housing Administration (FHA) Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 17, 2021 · Amount on Record
Deed Sale	Dec 17, 2021 · Amount on Record
Prior Sale	Oct 13, 2017 · Amount on Record
Deed Book / Page	40585 / 174
Record Refreshed	Sep 20, 2026

December 2021: Quit Claim Arm's Length for NE States, Transfer

Document Type	Quit Claim Arm's Length for NE States
Jurisdiction	SAUGUS MA
Recording Date	Dec 17, 2021
Property Address	203 CENTRAL ST, SAUGUS, MA 01906-2126
Document Number	040585-174
Book / Page	40585 / 174
Instrument Date	Dec 17, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenant By Entirety
Address	203 CENTRAL ST, SAUGUS, MA 01906-2126

Mortgage

Document Number	0040585176
Date	Dec 17, 2021
Instrument	40585/176

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand Alone First Mortgage
Amount	Amount Recorded

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	203 CENTRAL ST, SAUGUS, MA 01906-2126
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38683-550
Date	Jul 06, 2020
Book Page	38683/550
Instrument	20200706002070

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2050

October 2017: Quit Claim Arm's Length for NE States, Transfer

Document Type	Quit Claim Arm's Length for NE States
Jurisdiction	SAUGUS MA
Recording Date	Oct 13, 2017
Property Address	203 CENTRAL ST, SAUGUS, MA 01906-2126
Document Number	36251-49
Book / Page	36251 / 49
Instrument	310
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$30.75
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	203 CENTRAL ST, SAUGUS, MA 01906-2126

Mortgage

Document Number	362510051
Date	Oct 13, 2017
Instrument	36251/0051

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 13, 2047

Tax Assessment & Valuation

Source: Essex County and Saugus Town records · Assessment roll updated April 14, 2026 · Last verified July 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	$5,035.00 (+6.81%)	$471,400 (+6.51%) Land $282,000 Building $189,400	$550,525
2024	$4,714.00 (+2.21%)	$442,600 (+8.06%) Land $256,400 Building $186,200
2023	$4,612.00	$409,600 Land $230,700 Building $178,900

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

203 Central St, Saugus, MA 01906 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

December 2021: Quit Claim Arm's Length for NE States, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2017: Quit Claim Arm's Length for NE States, Transfer

Transaction

Transferred From (Grantor/Seller)

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

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