228 Central St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 228 Central St, Saugus, MA 01906

Property Summary

Property Type	Office Building
Details	2 ba · 3,390 sqft · built 1790
Lot Size	0.27 acres (11,757 sqft)
Owner	Company Name on Record
Last Sale	$5,300,000 (Sep 2020)
Tax Bill	$14,790 (2025)
Deeds & Mortgages	Aug 2025 Mortgage Oct 2022 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:010-F B:0002 L:0025`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:010-F B:0002 L:0025`
Alternative APNs	`M:010=F B:0002 L:0025` `4314023`

Interior

Full Baths	2 Baths
Half Baths	4 Half Baths
Stories	2 Stories
Building Area	3,390 sqft Total Area
Gross Area	5,315 sqft
Basement Area	1,080 sqft
Unfinished Basement	1,080 sqft

Exterior

Year Built	Built 1790
Effective Year Built	Effective 1790
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	11,757 sqft (0.27 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	4314023
Street Address	228 CENTRAL ST
City	SAUGUS
State	MA
Zip	01906-2107
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Local Zoning Code	NA
Legal Block	2
Legal Lot Number	25
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 April 14, 2026

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

Owner of Record	Company Name on Record
Mailing Address	PO BOX 320099, ALEXANDRIA, VA 22320-4099
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2025	Deed of Trust, Mortgage BREDS V LOAN HLDG MS
Oct 4, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Sep 23, 2020	Quit Claim Deed, Transfer JP MORGAN CHASE BK
Sep 23, 2020	Quit Claim Deed, Transfer
Nov 1, 2019	Grant Deed, Mortgage CENTURY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2020 · Amount on Record
Deed Sale	Sep 23, 2020 · Amount on Record
Prior Sale	Sep 23, 2020 · Amount on Record
Deed Document Number	20206010
Deed Book / Page	38972 / 286
Record Updated	Jun 8, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	228 CENTRAL ST, SAUGUS, MA 01906-2107
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042906-88
Date	Aug 22, 2025
Book Page	42906/88
Instrument	20250822004410

Lender

Name	BREDS V LOAN HLDG MS

Agreement

Amount	Amount Recorded

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	228 CENTRAL ST, SAUGUS, MA 01906-2107
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041227-517
Date	Oct 4, 2022
Book Page	41227/517
Instrument	20221004000430

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Sep 23, 2020
Property Address	228 CENTRAL ST, SAUGUS, MA 01906-2107
Document Number	38972-295
Book / Page	038972 / 000295
Instrument Date	Sep 16, 2020
Instrument	616609
Transaction Type	Transfer
Record Updated	Nov 18, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$24,168.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	FLATBUSH AVE #3C BROOKLYN NY 11217, 3C, BROOKLYN, NY 11217

Mortgage

Document Number	38972-295
Date	Sep 23, 2020
Book Page	038972/000295
Instrument	23006030

Lender

Name	JP MORGAN CHASE BK
Type	Bank

Agreement

Amount	Amount Recorded

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Sep 23, 2020
Property Address	228 CENTRAL ST, SAUGUS, MA 01906-2107
Document Number	38972-286
Book / Page	38972 / 286
Instrument Date	Sep 16, 2020
Instrument	20200923006010
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	FLATBUSH AVE #3C # 3C, 3C, BROOKLYN, NY 11217-1101

November 2019: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	SAUGUS MA
Recording Date	Nov 1, 2019
Property Address	228 CENTRAL ST, SAUGUS, MA 01906-2107
Book / Page	037992 / 000265
Instrument Date	Oct 30, 2019
Instrument	1101003340
Transaction Type	Mortgage
Record Updated	Nov 19, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 MYSTIC AVE MEDFORD MA 021556316, MEDFORD, MA 02155-6316

Mortgage

Document Number	37992-265
Date	Nov 1, 2019
Book Page	037992/000265
Instrument	1101003340

Lender

Name	CENTURY BK
Type	Bank

Agreement

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
2025	$14,790.00 (+3.15%)	$673,500 (+3.57%) Land $371,500 Building $302,000
2024	$14,339.00 (+2.71%)	$650,300 (+8.73%) Land $358,400 Building $291,900
2023	$13,960.00	$598,100 Land $325,900 Building $272,200

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 500 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	Direct burnable vegetation

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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