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427 Central St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 427 Central St, Saugus, MA 01906

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,175 sqft · built 1880
Lot Size0.137 acres (5,968 sqft)
Owner2 Individual Names on File
Last Sale$599,900 (Jul 2024)
Tax Bill$5,239 (2025)
Deeds & MortgagesOct 2023 Mortgage
Feb 2021 Refinance
+ 2 more
Flood ZoneZone X (minimal risk)
APNSAUG M:006-E B:0021 L:0010

Property Details

APN / Parcel Number

Primary APNSAUG M:006-E B:0021 L:0010
Alternative APNs
  • M:006=E B:0021 L:0010
  • 5702017

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories2 Stories
Building Area1,175 sqft Living Area
Gross Area2,440 sqft
1st Floor Area713 sqft
Basement Area643 sqft
Unfinished Basement643 sqft

Exterior

Year BuiltBuilt 1880
Effective Year BuiltEffective 1880
Architectural StyleOther
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area5,968 sqft (0.137 acres)

Utilities, Heating & Cooling

Heating SystemSteam
Heating FuelGas

Location & Zoning

Account Number5702017
Street Address427 CENTRAL ST
CitySAUGUS
StateMA
Zip01906-3630
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeNA
Legal SubdivisionPLEASANT HILLS PARK
Legal Block21
Legal Lot Number10
JurisdictionSAUGUS MA
Township / Civil DivisionSAUGUS
Census Block Group2
Census Block2005
Census Tract208200

Owner

Source: Essex County and Saugus Town records · APN SAUG M:006-E B:0021 L:0010

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 Record2 Individual Names on File
Mailing Address427 CENTRAL ST, SAUGUS, MA 01906-3630
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Oct 13, 2023Deed of Trust, Mortgage · Second Mortgage (Down Payment)
SPRING EQ LLC
Feb 01, 2021Deed of Trust, Mortgage · Stand-Alone Refinance
QUICKEN LOANS INC
Jul 29, 2019Deed of Trust, Mortgage · Line of Credit
QUAD CTY BK&TR
Sep 22, 2017Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LNS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 23, 2024 · Amount on Record
Deed SaleJul 23, 2024 · Amount on Record
Prior SaleFeb 19, 2009 · Amount on Record
Deed Document Number20241230
Deed Book / Page42231 / 69
Record UpdatedSep 20, 2026

October 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAUGUS MA
Property Address427 CENTRAL ST, SAUGUS, MA 01906-3630
Transaction TypeMortgage
Record UpdatedOct 27, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0041806-31
DateOct 13, 2023
Book Page41806/31
Instrument20231013000590
Lender
NameSPRING EQ LLC
Agreement
TypeSecond Mortgage (Down Payment)
AmountAmount Recorded
Term241 Months
DueNov 01, 2043

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAUGUS MA
Property Address427 CENTRAL ST, SAUGUS, MA 01906-3630
Transaction TypeMortgage
Record UpdatedFeb 19, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number39475-522
DateFeb 01, 2021
Book Page39475/522
Instrument20210201001120
Lender
NameQUICKEN LOANS INC
TypeLending Institution
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term241 Months
DueMar 01, 2041

July 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAUGUS MA
Property Address427 CENTRAL ST, SAUGUS, MA 01906-3630
Document Number37726-422
Instrument DateJul 29, 2019
Transaction TypeMortgage
Record UpdatedAug 20, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address427 CENTRAL ST SAUGUS MA 019063630, SAUGUS, MA 01906-3630

Mortgage

Document Number37726-422
DateAug 05, 2019
Book Page037726/000422
Instrument5000510
Lender
NameQUAD CTY BK&TR
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueAug 04, 2049
Interest
Rate TypeAdjustable Rate

September 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAUGUS MA
Property Address427 CENTRAL ST, SAUGUS, MA 01906-3630
Document Number36222-564
Book / Page036222 / 000564
Instrument DateSep 22, 2017
Transaction TypeMortgage
Record UpdatedOct 24, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife

Mortgage

Document Number36222-564
DateOct 02, 2017
Book Page036222/000564
Instrument1710020351
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueOct 01, 2032

Tax Assessment & Valuation

Source: Essex County and Saugus Town records · Assessment roll updated April 14, 2026 · Last verified July 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$5,239.00 (+9.12%)$490,500 (+8.81%) Land $283,700 Building $206,800$558,600
2024$4,801.00 (+1.22%)$450,800 (+7.03%) Land $257,900 Building $192,900
2023$4,743.00$421,200 Land $232,100 Building $189,100

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
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force
Nearby Flood Claims6 (1979–2010)
Claims Outside the SFHA1 of 6
Most Recent ClaimMar 2010 · Severe Storms And Flooding

Wildfire

Wildfire RiskLow
lower than 98% of the US · lower than 96% of Massachusetts
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
Verizon
Fixed Wireless		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20

Based on FCC filings for 554 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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