426 Central St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 426 Central St, Saugus, MA 01906 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 748 sqft · built 1940
Lot Size	0.172 acres (7,501 sqft)
Owner	2 Individual Names on File
Last Sale	$310,000 (Apr 2019)
Tax Bill	$5,033 (2025)
Deeds & Mortgages	Aug 2025 Mortgage Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:006-F B:0005 L:0008`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:006-F B:0005 L:0008`
Alternative APNs	`M:006=F B:0005 L:0008` `2531014`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	748 sqft Living Area
Gross Area	2,237 sqft
1st Floor Area	748 sqft
Basement Area	748 sqft
Unfinished Basement	748 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,501 sqft (0.172 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	2531014
Street Address	426 CENTRAL ST
City	SAUGUS
State	MA
Zip	01906-3633
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	5
Legal Lot Number	8
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2004
Census Tract	208200

Owner

Source: Essex County and Saugus Town records · APN SAUG M:006-F B:0005 L:0008

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	2 Individual Names on File
Mailing Address	426 CENTRAL ST, SAUGUS, MA 01906-3633
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2025	Deed of Trust, Mortgage · Conventional Mortgage EVERETT COOPERATIVE BANK
Oct 02, 2019	Quit Claim Deed, Transfer · ARM EVERETT COOPERATIVE BANK
Apr 17, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Apr 17, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage EVERETT COOPERATIVE BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 17, 2019 · Amount on Record
Deed Sale	Apr 17, 2019 · Amount on Record
Prior Sale	Oct 26, 1988 · Amount on Record
Deed Document Number	20191940
Deed Book / Page	37445 / 395
Last Transfer Date	Sep 27, 2019
Transfer Doc	37900-528
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	426 CENTRAL ST, SAUGUS, MA 01906-3633
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042918-498
Date	Aug 29, 2025
Book Page	42918/498
Instrument	20250829000080

Lender

Name	EVERETT COOPERATIVE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2055

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Oct 02, 2019
Property Address	426 CENTRAL ST, SAUGUS, MA 01906-3633
Document Number	37900-528
Book / Page	37900 / 528
Instrument Date	Sep 27, 2019
Instrument	20191002003850
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
Address	426 CENTRAL ST, SAUGUS, MA 01906-3633

Mortgage

Document Number	37900-530
Date	Oct 02, 2019
Book Page	37900/530
Instrument	20191002003860

Lender

Name	EVERETT COOPERATIVE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2049

Interest

Rate Type	Adjustable Rate
Type Change Date	Nov 01, 2022

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Apr 17, 2019
Property Address	426 CENTRAL ST, SAUGUS, MA 01906-3633
Document Number	37445-390
Book / Page	037445 / 000390
Instrument Date	Apr 08, 2019
Instrument	1904171930
Transaction Type	Transfer
Record Updated	May 07, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 CENTRAL ST SAUGUS MA 019063633, SAUGUS, MA 01906-3633

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Apr 17, 2019
Property Address	426 CENTRAL ST, SAUGUS, MA 01906-3633
Document Number	37445-395
Book / Page	37445 / 395
Instrument Date	Mar 25, 2019
Instrument	20190417001940
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	62 WIGGLESWORTH ST # 3, 3, MALDEN, MA 02148-7435

Mortgage

Document Number	190417001950
Date	Apr 17, 2019
Instrument	190417001950

Lender

Name	EVERETT COOPERATIVE BANK
Type	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	$5,033.00 (+7.57%)	$471,300 (+7.28%) Land $288,800 Building $182,500	$422,180
2024	$4,679.00 (+4.23%)	$439,300 (+10.18%) Land $262,500 Building $176,800
2023	$4,489.00	$398,700 Land $236,300 Building $162,400

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
Nearby Flood Policies	1 in force
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 554 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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