395 Main St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 395 Main St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,351 sqft · built 1983
Lot Size	0.574 acres (25,008 sqft)
Owner	2 Individual Names on Record
Last Sale	$174,000 (Jan 1997)
Tax Bill	$6,994 (2026)
Deeds & Mortgages	Jul 2025 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:011-B B:0004 L:0015`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:011-B B:0004 L:0015`
Alternative APNs	`M:011=B B:0004 L:0015` `1887008`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,351 sqft Living Area
Gross Area	3,530 sqft
1st Floor Area	1,288 sqft
Basement Area	1,250 sqft
Unfinished Basement	187 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,008 sqft (0.574 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Account Number	1887008
Street Address	395 MAIN ST
City	SAUGUS
State	MA
Zip	01906-3152
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	4
Legal Lot Number	15
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	2 Individual Names on Record
Mailing Address	395 MAIN ST, SAUGUS, MA 01906-3152
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2025	Deed of Trust, Mortgage · Line of Credit ROCKLAND TRUST CO
Feb 23, 2021	Deed of Trust, Mortgage · FHA Mortgage METRO CU
Feb 23, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 1997 · Amount on Record
Deed Sale	Jan 27, 1997 · Amount on Record
Deed Book / Page	13948 / 65
Last Transfer Date	Feb 16, 2021
Transfer Doc	39563-499
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	395 MAIN ST, SAUGUS, MA 01906-3152
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042841-64
Date	Jul 21, 2025
Book Page	42841/64
Instrument	20250721002100

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	395 MAIN ST, SAUGUS, MA 01906-3152
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039563-502
Date	Feb 23, 2021
Book Page	39563/502
Instrument	20210223005770

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Feb 23, 2021
Property Address	395 MAIN ST, SAUGUS, MA 01906-3152
Document Number	39563-499
Book / Page	39563 / 499
Instrument Date	Feb 16, 2021
Instrument	20210223005760
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	395 MAIN ST, SAUGUS, MA 01906-3152

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	$6,994.00 (+4.7%)	$671,200 (+7.31%) Land $367,000 Building $297,600	$790,850 (+16.99%)
2025	$6,680.00 (+6.27%)	$625,500 (+5.98%) Land $332,000 Building $293,500	$676,020
2024	$6,286.00 (+1.91%)	$590,200 (+7.74%) Land $301,900 Building $288,300
2023	$6,168.00	$547,800 Land $271,900 Building $275,900

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
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	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 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.

Nearby Properties on Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures