31 Central St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 31 Central St, Saugus, MA 01906 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	1.5 Baths
Year Built	Built 1932
Square Footage	1,746 sqft Living Area
Lot Size	14,466 sqft (0.332 acres)
Occupancy	Owner Occupied
Last Sale	$290,000 (2009)
Tax Bill	$5,852.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`SAUG M:013-E B:0001 L:0014`
Alternative APNs	`M:013=E B:0001 L:0014` `8245031`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	8 Rooms
Building Area	1,746 sqft Living Area
Gross Area	2,862 sqft Gross Area
1st Floor	962 sqft 1st Floor
Basement Area	892 sqft Basement
Unfinished Basement	892 sqft Unfinished
Stories	2 Stories

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Architectural Style	Other Style
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Frame Construction
Roof Construction	Gambrel Roof Construction
Roof Material	Asphalt Roof
Lot Area	14,466 sqft (0.332 acres)

Utilities and HVAC

Heating System	Hot Water Heating
Heating Fuel	Gas Heating Fuel

Location & Zoning

Account Number	8245031
Street Address	31 CENTRAL ST
City	SAUGUS
State	MA
Zip	01906-1209
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	14
Jurisdiction	SAUGUS MA
Minor Civil Division	SAUGUS
Census Blockgroup	2
Census Block	2001
Census Tract	208301

Owner

Source: Essex County and Saugus Town records · APN SAUG M:013-E B:0001 L:0014

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	31 CENTRAL ST, SAUGUS, MA 01906-1209
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 23, 2009 · Amount on Record
Deed Sale	Nov 23, 2009 · Amount on Record
Prior Sale	Dec 03, 1990 · Amount on Record
Deed Book / Page	29090 / 121
Transfer Doc	32479-450
Record Refreshed	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	31 CENTRAL ST, SAUGUS, MA 01906-1209
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039956-17
Date	Jun 07, 2021
Book Page	39956/17
Instrument	20210607005700

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jul 01, 2036

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	$5,852.00 (+6.38%)	$547,900 (+6.08%) Land $311,700 Building $236,200	$764,370
2024	$5,501.00 (+1.14%)	$516,500 (+6.94%) Land $283,400 Building $233,100
2023	$5,439.00	$483,000 Land $255,100 Building $227,900

Flood & Wildfire

31 Central St is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Essex County (25009C), updated July 10, 2026

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 58th in Massachusetts
Wildfire Likelihood	Low — about 1 in 10,000 per year
Exposure	Indirect within ember reach of burnable land · adjoins burnable vegetation

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