365 Main St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 365 Main St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,774 sqft · built 1962
Lot Size	0.46 acres (20,025 sqft)
Owner	Individual Name on Record
Last Sale	$775,000 (Jun 2026)
Tax Bill	$6,737 (2026)
Deeds & Mortgages	Apr 2021 Refinance Mar 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:011-B B:0004 L:0006`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:011-B B:0004 L:0006`
Alternative APNs	`M:011=B B:0004 L:0006` `1210003`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,774 sqft Living Area
Gross Area	3,106 sqft
1st Floor Area	1,244 sqft
Basement Area	1,196 sqft
Unfinished Basement	666 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,025 sqft (0.46 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1210003
Street Address	365 MAIN ST
City	SAUGUS
State	MA
Zip	01906-3150
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	4
Legal Lot Number	6
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2008
Census Tract	208401

Owner

Source: Essex County and Saugus Town records, as of October 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	365 MAIN ST, SAUGUS, MA 01906-3150
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NORTH SHORE BANK
Mar 19, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND
Apr 30, 2021	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK
Jun 12, 2026	Quit Claim Deed, Transfer · Conventional Mortgage LEADER BANK NA
Feb 7, 2018	Deed of Trust, Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2026 · Amount on Record
Deed Sale	Jun 12, 2026 · Amount on Record
Prior Sale	Oct 7, 2004 · Amount on Record
Deed Document Number	20263020
Deed Book / Page	43441 / 578
Prior Transfer Date	Jun 11, 2026
Prior Transfer Doc	043441-578
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	365 MAIN ST, SAUGUS, MA 01906-3150
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039824-125
Date	Apr 30, 2021
Book Page	39824/125
Instrument	20210430000910

Lender

Name	NORTH SHORE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2041

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	365 MAIN ST, SAUGUS, MA 01906-3150
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039662-576
Date	Mar 19, 2021
Book Page	39662/576
Instrument	20210319001080

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Apr 1, 2046

Interest

Rate Type	Adjustable Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	365 MAIN ST, SAUGUS, MA 01906-3150
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039824-137
Date	Apr 30, 2021
Book Page	39824/137
Instrument	20210430000920

Lender

Name	NORTH SHORE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jun 12, 2026
Property Address	365 MAIN ST, SAUGUS, MA 01906-3150
Document Number	043441-578
Book / Page	43441 / 578
Instrument Date	Jun 11, 2026
Instrument	20263020
Transaction Type	Transfer
Record Updated	Aug 30, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	365 MAIN ST, SAUGUS, MA 01906-3150

Mortgage

Date	Jun 12, 2026

Lender

Name	LEADER BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Initial Type	Adjustable Rate
Type Change Date	Jul 1, 2031
Index	1-Year CMT
Margin	3
Max Rate	-1%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	365 MAIN ST, SAUGUS, MA 01906-3150
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36519-48
Date	Feb 7, 2018
Book Page	36519/48
Instrument	180207000270

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2033

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
2026	$6,737.00 (+5.09%)	$646,500 (+7.7%) Land $365,100 Building $280,700	$709,207 (+10.24%)
2025	$6,411.00 (+6.42%)	$600,300 (+6.14%) Land $330,100 Building $270,200	$643,340
2024	$6,024.00 (+2.85%)	$565,600 (+8.73%) Land $300,100 Building $265,500
2023	$5,857.00	$520,200 Land $270,100 Building $250,100

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2006)
Most Recent Claim	May 2006 · Severe Storms And Flooding

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 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 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 223 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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