411 Central St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 411 Central St, Saugus, MA 01906 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,360 sqft · built 1910
Lot Size	0.133 acres (5,802 sqft)
Owner	Individual Name on File
Last Sale	$446,000 (Dec 2021)
Tax Bill	$5,617 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:007-E B:0013 L:0004`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:007-E B:0013 L:0004`
Alternative APNs	`M:007=E B:0013 L:0004` `1680031`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,360 sqft Living Area
Gross Area	2,484 sqft
1st Floor Area	632 sqft
Basement Area	632 sqft
Unfinished Basement	632 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	5,802 sqft (0.133 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	1680031
Street Address	411 CENTRAL ST
City	SAUGUS
State	MA
Zip	01906-3630
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	13
Legal Lot Number	4
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2005
Census Tract	208200

Owner

Source: Essex County and Saugus Town records · APN SAUG M:007-E B:0013 L:0004

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	Individual Name on File
Mailing Address	411 CENTRAL ST, SAUGUS, MA 01906-3630
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 03, 2021 · Amount on Record
Deed Sale	Dec 03, 2021 · Amount on Record
Deed Book / Page	40544 / 200
Record Updated	Sep 20, 2026

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Dec 03, 2021
Property Address	411 CENTRAL ST, SAUGUS, MA 01906-3630
Document Number	040544-200
Book / Page	40544 / 200
Instrument Date	Dec 03, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 CENTRAL ST, SAUGUS, MA 01906-3630

Mortgage

Document Number	0040544202
Date	Dec 03, 2021
Instrument	40544/202

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

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	$5,617.00 (+6.24%)	$525,900 (+5.94%) Land $283,100 Building $242,800	$527,820
2024	$5,287.00 (+0.76%)	$496,400 (+6.52%) Land $257,400 Building $239,000
2023	$5,247.00	$466,000 Land $231,700 Building $234,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Essex County (25009C), updated July 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250092082002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 1 individual NFIP policies nearby
Nearby Flood Policies	1 in force 1 of 1 on primary residences
Nearby Flood Claims	6 (1979–2010)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Mar 2010, rainfall accumulation, Severe Storms And Flooding

Wildfire

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.