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405 Main St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 405 Main St, Saugus, MA 01906

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,381 sqft · built 1967
Lot Size0.464 acres (20,216 sqft)
Owner2 Individual Names on File
Tax Bill$7,128 (2025)
Deeds & MortgagesOct 2022 Line of Credit
Mar 2023 Mortgage
+ 5 more
Flood ZoneZone X (minimal risk)
APNSAUG M:012-B B:0004 L:0007

Property Details

APN / Parcel Number

Primary APNSAUG M:012-B B:0004 L:0007
Alternative APNs
  • M:012=B B:0004 L:0007
  • 6263013

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories1 Story
Building Area1,381 sqft Living Area
Gross Area3,308 sqft
1st Floor Area1,381 sqft
Basement Area1,381 sqft
Unfinished Basement1,381 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1967
Effective Year BuiltEffective 1967
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area20,216 sqft (0.464 acres)
Garage TypeAttached

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil

Location & Zoning

Account Number6263013
Street Address405 MAIN ST
CitySAUGUS
StateMA
Zip01906-3154
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeNA
Legal Block4
Legal Lot Number7
JurisdictionSAUGUS MA
Township / Civil DivisionSAUGUS
Census Block Group2
Census Block2008
Census Tract208401

Owner

Source: Essex County and Saugus Town records · APN SAUG M:012-B B:0004 L:0007

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

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

Owner of Record2 Individual Names on File
Mailing Address405 MAIN ST, SAUGUS, MA 01906-3154
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 25, 2022Deed of Trust, Mortgage · Line of Credit
RIVER WORKS CREDIT UNION
Mar 16, 2023Deed of Trust, Mortgage · Second Mortgage (Down Payment)
MASSACHUSETTS FAMILY CREDIT UNION
Jul 14, 2023Deed of Trust, Mortgage · Second Mortgage (Down Payment)
MASSACHUSETTS FAMILY CREDIT UNION
Oct 13, 2022Deed, Transfer
Oct 28, 2020Quit Claim Deed, Transfer
NOT AVAILABLE
Aug 05, 2020Deed of Trust, Mortgage · Conventional Mortgage
RIVER WORKS CU
Jul 30, 2020Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 13, 2013
Deed SaleJun 13, 2013
Prior SaleMar 19, 2013
Deed Book / Page32556 / 58
Last Transfer DateOct 13, 2022
Transfer Doc0041243-12
Record UpdatedSep 20, 2026

October 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAUGUS MA
Property Address405 MAIN ST, SAUGUS, MA 01906-3154
Transaction TypeMortgage
Record UpdatedNov 20, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number041263-135
DateOct 25, 2022
Book Page41263/135
Instrument20221025000220
Lender
NameRIVER WORKS CREDIT UNION
Agreement
TypeLine of Credit
AmountAmount Recorded
Term301 Months
DueNov 01, 2047
Interest
Rate TypeAdjustable Rate

March 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAUGUS MA
Property Address405 MAIN ST, SAUGUS, MA 01906-3154
Transaction TypeMortgage
Record UpdatedNov 20, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number041478-253
DateMar 16, 2023
Book Page41478/253
Instrument20230316000720
Lender
NameMASSACHUSETTS FAMILY CREDIT UNION
Agreement
TypeSecond Mortgage (Down Payment)
AmountAmount Recorded
Term181 Months
DueApr 01, 2038

July 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAUGUS MA
Property Address405 MAIN ST, SAUGUS, MA 01906-3154
Transaction TypeMortgage
Record UpdatedNov 20, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number041662-455
DateJul 14, 2023
Book Page41662/455
Instrument20230714003450
Lender
NameMASSACHUSETTS FAMILY CREDIT UNION
Agreement
TypeSecond Mortgage (Down Payment)
AmountAmount Recorded
Term241 Months
DueAug 01, 2043

October 2022: Deed, Transfer

Document TypeDeed
JurisdictionSAUGUS MA
Recording DateOct 13, 2022
Property Address405 MAIN ST, SAUGUS, MA 01906-3154
Document Number0041243-12
Book / Page41243 / 12
Instrument DateOct 13, 2022
Instrument20221013001860
Transaction TypeTransfer
Record UpdatedOct 28, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address405 MAIN ST, SAUGUS, MA 01906-3154
InvestorPossibly a Property Investor

October 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAUGUS MA
Recording DateOct 28, 2020
Property Address405 MAIN ST, SAUGUS, MA 01906-3154
Document Number39109-219
Book / Page039109 / 000219
Instrument DateAug 12, 2020
Instrument28001180
Transaction TypeTransfer
Record UpdatedNov 17, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTrust
Address405 MAIN ST SAUGUS MA 019063154, SAUGUS, MA 01906-3154

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAUGUS MA
Property Address405 MAIN ST, SAUGUS, MA 01906-3154
Document Number38803-599
Instrument DateAug 05, 2020
Transaction TypeMortgage
Record UpdatedSep 01, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address405 MAIN ST SAUGUS MA 019063154, SAUGUS, MA 01906-3154

Mortgage

Document Number38803-599
DateAug 10, 2020
Book Page038803/000599
Instrument10002870
Lender
NameRIVER WORKS CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term300 Months
DueAug 09, 2045

July 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAUGUS MA
Recording DateJul 30, 2020
Property Address405 MAIN ST, SAUGUS, MA 01906-3154
Document Number38766-482
Book / Page038766 / 000482
Instrument DateJul 30, 2020
Instrument30001510
Transaction TypeTransfer
Record UpdatedAug 18, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address405 MAIN ST SAUGUS MA 019063154, SAUGUS, MA 01906-3154

Tax Assessment & Valuation

Source: Essex County and Saugus Town records · Assessment roll updated April 14, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyEssex County
County SubdivisionSaugus Town
Unified School DistrictSaugus School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$7,128.00 (+6.42%)$667,400 (+6.12%) Land $330,100 Building $337,300$598,785
2024$6,698.00 (+3.33%)$628,900 (+9.24%) Land $300,100 Building $328,800
2023$6,482.00$575,700 Land $270,100 Building $305,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies7 in force
Nearby Flood Claims1 (2006)
Most Recent ClaimMay 2006 · Severe Storms And Flooding

Wildfire

Wildfire RiskNot rated
no burnable land within 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 as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
T-Mobile USA
Fixed Wireless		100 / 20

May also be available: Verizon.

Based on FCC filings for 223 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemSAUGUS WATER DEPT. (MWRA)
serves 27,844 people
Water SourcePurchased surface water from MWRA
Last State InspectionMay 2025
Lead1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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