314 Central St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 314 Central St, Saugus, MA 01906 · Last verified April 2026

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2.5 ba · 4,075 sqft · built 1920
Lot Size	0.121 acres (5,266 sqft)
Owner	2 Company Names on File
Last Sale	$1,050,000 (Jul 2019)
Tax Bill	$27,064 (2025)
Deeds & Mortgages	Aug 2021 Refinance Aug 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:008-E B:0016 L:0006`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:008-E B:0016 L:0006`
Alternative APNs	`M:008=E B:0016 L:0006` `6990000`

Interior

Full Baths	2.5 Baths
Half Baths	5 Half Baths
Units	9 Units
Stories	1 Story
Building Area	4,075 sqft Total Area
Gross Area	4,135 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2000
Exterior Material	Stucco
Roof Type	Flat
Roof Material	Other
Lot Area	5,266 sqft (0.121 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	6990000
Street Address	314 CENTRAL ST
City	SAUGUS
State	MA
Zip	01906-2382
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Block	16
Legal Lot Number	6
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1004
Census Tract	208200

Owner

Source: Essex County and Saugus Town records · APN SAUG M:008-E B:0016 L:0006

Assessment roll updated April 14, 2026 · Last verified April 2026

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

Owner of Record	2 Company Names on File
Mailing Address	29 ARROWHEAD DR, SAUGUS, MA 01906-1910
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CARMEN DAMELIO
Aug 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CARMEN DAMELIO
Oct 20, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MAIN STREET LENDING LLC
Jul 15, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 15, 2019 · Amount on Record
Deed Sale	Jul 15, 2019 · Amount on Record
Prior Sale	Nov 10, 2015 · Amount on Record
Deed Book / Page	37664 / 321
Record Updated	Jun 08, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	314 CENTRAL ST, SAUGUS, MA 01906-2382
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040198-58
Date	Aug 20, 2021
Book Page	40198/58
Instrument	20210820006190

Lender

Name	CARMEN DAMELIO

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	314 CENTRAL ST, SAUGUS, MA 01906-2382
Transaction Type	Mortgage
Record Updated	Sep 03, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40198-58
Date	Aug 20, 2021
Book Page	40198/58
Instrument	20210820006190

Lender

Name	CARMEN DAMELIO

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	314 CENTRAL ST, SAUGUS, MA 01906-2382
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39079-592
Date	Oct 20, 2020
Book Page	39079/592
Instrument	20201020004900

Lender

Name	MAIN STREET LENDING LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jul 15, 2019
Property Address	314 CENTRAL ST, SAUGUS, MA 01906-2382
Document Number	37664-321
Book / Page	037664 / 000321
Instrument Date	Jul 02, 2019
Instrument	1907152750
Transaction Type	Transfer
Record Updated	Jul 30, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$4,788.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	29 ARROWHEAD DR SAUGUS MA 019061910, SAUGUS, MA 01906-1910

Tax Assessment & Valuation

Source: Essex County and Saugus Town records · Assessment roll updated April 14, 2026 · Last verified April 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 is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$27,064.00 (+2.85%)	$1,232,400 (+3.27%) Land $320,600 Building $911,800
2024	$26,314.00 (+2.24%)	$1,193,400 (+8.23%) Land $309,400 Building $884,000
2023	$25,737.00	$1,102,700 Land $281,200 Building $821,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Essex County (25009C), updated July 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250092082001, refreshed September 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
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1979–1988)
Most Recent Claim	Jan 1988, rainfall accumulation

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 429 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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