400 Main St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 400 Main St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,141 sqft · built 1956
Lot Size	0.299 acres (13,029 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Aug 2014)
Tax Bill	$6,745 (2026)
Deeds & Mortgages	Sep 2025 Line of Credit Oct 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:012-B B:0002 L:0002`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:012-B B:0002 L:0002`
Alternative APNs	`M:012=B B:0002 L:0002` `7146001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,141 sqft Living Area
Gross Area	3,280 sqft
1st Floor Area	1,484 sqft
Basement Area	1,340 sqft
Unfinished Basement	683 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,029 sqft (0.299 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	7146001
Street Address	400 MAIN ST
City	SAUGUS
State	MA
Zip	01906-3151
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	2
Legal Lot Number	2
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1016
Census Tract	208402

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	400 MAIN ST, SAUGUS, MA 01906-3151
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2025	Deed of Trust, Mortgage · Line of Credit ROCKLAND TRUST CO
Oct 2, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2014 · Amount on Record
Deed Sale	Aug 20, 2014 · Amount on Record
Deed Book / Page	33489 / 160
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	400 MAIN ST, SAUGUS, MA 01906-3151
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042960-158
Date	Sep 22, 2025
Book Page	42960/158
Instrument	20250922001100

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

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

Interest

Rate Type	Adjustable Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	400 MAIN ST, SAUGUS, MA 01906-3151
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39011-446
Date	Oct 2, 2020
Book Page	39011/446
Instrument	20201002000930

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2035

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	$6,745.00 (+4.53%)	$647,300 (+7.13%) Land $339,600 Building $294,500	$676,180 (-5.12%)
2025	$6,453.00 (+6.1%)	$604,200 (+5.8%) Land $307,000 Building $297,200	$712,690
2024	$6,082.00 (+1.28%)	$571,100 (+7.09%) Land $279,100 Building $292,000
2023	$6,005.00	$533,300 Land $251,200 Building $282,100

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	2 in force

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.

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