255 Central St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 255 Central St, Saugus, MA 01906 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,609 sqft · built 1880
Lot Size	0.162 acres (7,039 sqft)
Owner	Individual Name on File
Last Sale	$645,000 (Dec 2022)
Tax Bill	$5,969 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Dec 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:009-E B:0008 L:0016`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:009-E B:0008 L:0016`
Alternative APNs	`M:009=E B:0008 L:0016` `1197001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,609 sqft Living Area
Gross Area	2,961 sqft
1st Floor Area	1,033 sqft
Basement Area	1,033 sqft
Unfinished Basement	1,033 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,039 sqft (0.162 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	1197001
Street Address	255 CENTRAL ST
City	SAUGUS
State	MA
Zip	01906-2149
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	8
Legal Lot Number	16
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1012
Census Tract	208301

Owner

Source: Essex County and Saugus Town records · APN SAUG M:009-E B:0008 L:0016

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	Individual Name on File
Mailing Address	255 CENTRAL ST, SAUGUS, MA 01906-2149
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2026	Deed of Trust, Mortgage NEWREZ LLC
Dec 08, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CONWAY FINANCIAL SVCS
Jan 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Jan 08, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Oct 10, 2018	Deed of Trust, Mortgage · Conventional with PMI QUAD CTY BK&TR
Aug 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 08, 2022 · Amount on Record
Deed Sale	Dec 08, 2022 · Amount on Record
Prior Sale	Jan 09, 1998 · Amount on Record
Deed Document Number	20221610
Deed Book / Page	41341 / 144
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	255 CENTRAL ST, SAUGUS, MA 01906-2149
Transaction Type	Mortgage
Record Updated	Apr 08, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	043278-178
Date	Mar 18, 2026
Book Page	43278/178
Instrument	20260318000050

Lender

Name	NEWREZ LLC

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2056

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Dec 08, 2022
Property Address	255 CENTRAL ST, SAUGUS, MA 01906-2149
Document Number	041341-144
Book / Page	41341 / 144
Instrument Date	Dec 08, 2022
Instrument	20221208001610
Transaction Type	Transfer
Record Updated	Dec 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	255 CENTRAL ST, SAUGUS, MA 01906-2149

Mortgage

Document Number	221208001620
Date	Dec 08, 2022
Instrument	221208001620

Lender

Name	CONWAY FINANCIAL SVCS

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	255 CENTRAL ST, SAUGUS, MA 01906-2149
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38208-224
Date	Jan 22, 2020
Book Page	38208/224
Instrument	20200122003590

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

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

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	255 CENTRAL ST, SAUGUS, MA 01906-2149
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39387-242
Date	Jan 08, 2021
Book Page	39387/242
Instrument	20210108000790

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Feb 01, 2050

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	255 CENTRAL ST, SAUGUS, MA 01906-2149
Document Number	37082-153
Instrument Date	Oct 10, 2018
Transaction Type	Mortgage
Record Updated	Nov 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	255 CENTRAL ST SAUGUS MA 019062149, SAUGUS, MA 01906-2149

Mortgage

Document Number	37082-153
Date	Oct 15, 2018
Book Page	037082/000153
Instrument	15005080

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 14, 2048

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	255 CENTRAL ST, SAUGUS, MA 01906-2149
Document Number	36150-20
Book / Page	036150 / 000020
Instrument Date	Aug 25, 2017
Transaction Type	Mortgage
Record Updated	Sep 19, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	36150-20
Date	Sep 01, 2017
Book Page	036150/000020
Instrument	1709010005

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 31, 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	$5,969.00 (+6.21%)	$558,900 (+5.91%) Land $287,200 Building $271,700	$699,295
2024	$5,620.00 (+1.01%)	$527,700 (+6.8%) Land $261,100 Building $266,600
2023	$5,564.00	$494,100 Land $235,000 Building $259,100

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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 501 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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