277 Main St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 277 Main St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,544 sqft · built 1945
Lot Size	0.187 acres (8,124 sqft)
Owner	Individual Name on Record
Last Sale	$385,000 (Jul 2017)
Tax Bill	$5,459 (2025)
Deeds & Mortgages	Jul 2021 Refinance Dec 2024 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:010-C B:0003 L:0015`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:010-C B:0003 L:0015`
Alternative APNs	`M:010=C B:0003 L:0015` `1414029`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,544 sqft Living Area
Gross Area	1,852 sqft
1st Floor Area	1,046 sqft
Basement Area	778 sqft
Unfinished Basement	280 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,124 sqft (0.187 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	1414029
Street Address	277 MAIN ST
City	SAUGUS
State	MA
Zip	01906-3237
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	3
Legal Lot Number	15
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1019
Census Tract	208401

Owner

Source: Essex County and Saugus Town records, as of July 20, 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 Record
Mailing Address	277 MAIN ST, SAUGUS, MA 01906-3237
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP
Dec 24, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Jul 7, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP
Nov 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage DIGITAL EMP FCU
Jul 31, 2017	Quit Claim Deed, Transfer · Conventional Mortgage CAMBRIDGE SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2017 · Amount on Record
Deed Sale	Jul 31, 2017 · Amount on Record
Prior Sale	Oct 23, 2015
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	277 MAIN ST, SAUGUS, MA 01906-3237
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000626967
Date	Jul 7, 2021
Instrument	626967

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	277 MAIN ST, SAUGUS, MA 01906-3237
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000655950
Date	Dec 24, 2024
Instrument	655950

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2054

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	277 MAIN ST, SAUGUS, MA 01906-3237
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	626967
Date	Jul 7, 2021
Instrument	626967

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	277 MAIN ST, SAUGUS, MA 01906-3237
Document Number	0000607633
Instrument Date	Nov 20, 2019
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	277 MAIN ST SAUGUS MA 019063237, SAUGUS, MA 01906-3237

Mortgage

Document Number	0000607633
Date	Nov 25, 2019
Instrument	607633

Lender

Name	DIGITAL EMP FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 24, 2049

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jul 31, 2017
Property Address	277 MAIN ST, SAUGUS, MA 01906-3237
Document Number	0000584855
Instrument Date	Jul 19, 2017
Instrument	584855
Transaction Type	Transfer
Record Updated	Aug 15, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,755.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	277 MAIN ST SAUGUS MA 019063237, SAUGUS, MA 01906-3237

Mortgage

Document Number	584856
Date	Jul 31, 2017
Instrument	584856

Lender

Name	CAMBRIDGE SVGS BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2047

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
2025	$5,459.00 (+6.75%)	$511,100 (+6.43%) Land $290,800 Building $220,300	$570,000
2024	$5,114.00 (+2.34%)	$480,200 (+8.2%) Land $264,400 Building $215,800
2023	$4,997.00	$443,800 Land $237,900 Building $205,900

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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 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	Not rated no burnable land within 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 308 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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