Essex County and Saugus Town property record for 392 Central St, Saugus, MA 01906 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,558 sqft · built 1900 |
| Lot Size | 0.123 acres (5,367 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $149,000 (Jul 1997) |
| Tax Bill | $5,490 (2025) |
| Deeds & Mortgages | Apr 2024 Refinance Feb 2019 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SAUG M:007-E B:0015 L:0019 |
| Primary APN | SAUG M:007-E B:0015 L:0019 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 3 Stories |
| Building Area | 1,558 sqft Living Area |
| Gross Area | 3,225 sqft |
| 1st Floor Area | 794 sqft |
| Basement Area | 764 sqft |
| Unfinished Basement | 764 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,367 sqft (0.123 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 4205006 |
|---|---|
| Street Address | 392 CENTRAL ST |
| City | SAUGUS |
| State | MA |
| Zip | 01906-2448 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 15 |
| Legal Lot Number | 19 |
| Jurisdiction | SAUGUS MA |
| Township / Civil Division | SAUGUS |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 208200 |
Source: Essex County and Saugus Town records · APN SAUG M:007-E B:0015 L:0019
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 | 392 CENTRAL ST, SAUGUS, MA 01906-2448 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 16, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE CENTS SAVINGS BANK |
| Feb 26, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance NORTH SHORE BANK |
| Feb 26, 2019 | Deed of Trust, Mortgage · Balloon Mortgage NORTH SHORE BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 18, 1997 · Amount on Record |
| Deed Sale | Jul 18, 1997 · Amount on Record |
| Prior Sale | Apr 26, 1991 · Amount on Record |
| Deed Book / Page | 14218 / 592 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GEORGETOWN MA |
| Property Address | 392 CENTRAL ST, SAUGUS, MA 01906-2448 |
| Transaction Type | Mortgage |
| Record Updated | May 03, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0042068-21 |
|---|---|
| Date | Apr 16, 2024 |
| Book Page | 42068/21 |
| Instrument | 20240416000220 |
| Name | SALEM FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 392 CENTRAL ST, SAUGUS, MA 01906-2448 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 37347-280 |
|---|---|
| Date | Feb 26, 2019 |
| Book Page | 37347/280 |
| Instrument | 20190226000970 |
| Name | NORTH SHORE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 01, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 392 CENTRAL ST, SAUGUS, MA 01906-2448 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 37347-295 |
|---|---|
| Date | Feb 26, 2019 |
| Book Page | 37347/295 |
| Instrument | 20190226000980 |
| Name | NORTH SHORE BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Essex County and Saugus Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Saugus Town |
| Unified School District | Saugus School District (PK - 12) |
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 | $5,490.00 (+6.37%) | $514,000 (+6.07%) Land $281,700 Building $232,300 | $644,290 |
| 2024 | $5,161.00 (+0.92%) | $484,600 (+6.69%) Land $256,100 Building $228,500 | |
| 2023 | $5,114.00 | $454,200 Land $230,500 Building $223,700 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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.
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