407 Main St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 407 Main St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,181 sqft · built 1964
Lot Size	0.568 acres (24,746 sqft)
Owner	2 Individual Names on Record
Last Sale	$520,000 (Jun 2017)
Tax Bill	$8,499 (2025)
Deeds & Mortgages	Jan 2021 Refinance Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:012-B B:0004 L:0006`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:012-B B:0004 L:0006`
Alternative APNs	`M:012=B B:0004 L:0006` `1046024`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,181 sqft Living Area
Gross Area	4,199 sqft
1st Floor Area	2,018 sqft
Basement Area	1,322 sqft
Unfinished Basement	159 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,746 sqft (0.568 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1046024
Street Address	407 MAIN ST
City	SAUGUS
State	MA
Zip	01906-3154
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 July 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	407 MAIN ST, SAUGUS, MA 01906-3154
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Jun 14, 2017	Quit Claim Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2017 · Amount on Record
Deed Sale	Jun 14, 2017 · Amount on Record
Prior Sale	Feb 10, 2014
Deed Book / Page	35941 / 234
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	407 MAIN ST, SAUGUS, MA 01906-3154
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039446-33
Date	Jan 25, 2021
Book Page	39446/33
Instrument	20210125001940

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jun 14, 2017
Property Address	407 MAIN ST, SAUGUS, MA 01906-3154
Document Number	35941-234
Book / Page	35941 / 234
Instrument	394
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$52.97
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 MAIN ST, SAUGUS, MA 01906-3154

Mortgage

Document Number	359410236
Date	Jun 14, 2017
Instrument	35941/0236

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 14, 2047

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
2025	$8,499.00 (+5.67%)	$795,800 (+5.38%) Land $331,900 Building $463,900	$795,815
2024	$8,043.00 (+2.77%)	$755,200 (+8.66%) Land $301,800 Building $453,400
2023	$7,826.00	$695,000 Land $271,800 Building $423,200

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.

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