431 Central St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 431 Central St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,667 sqft · built 1900
Lot Size	0.159 acres (6,922 sqft)
Owner	2 Individual Names on File
Last Sale	$674,900 (Feb 2026)
Tax Bill	$5,828 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:006-E B:0021 L:0008`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:006-E B:0021 L:0008`
Alternative APNs	`M:006=E B:0021 L:0008` `3341006`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,667 sqft Living Area
Gross Area	2,582 sqft
1st Floor Area	1,142 sqft
Basement Area	782 sqft
Unfinished Basement	782 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asbestos
Lot Area	6,922 sqft (0.159 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3341006
Street Address	431 CENTRAL ST
City	SAUGUS
State	MA
Zip	01906-3630
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Subdivision	PLEASANT HILLS PARK
Legal Block	21
Legal Lot Number	8
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2005
Census Tract	208200

Owner

Source: Essex County and Saugus Town assessment roll, as of April 14, 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	431 CENTRAL ST, SAUGUS, MA 01906-3630
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 9, 2026 · Amount on Record
Deed Sale	Feb 9, 2026 · Amount on Record
Deed Document Number	20261760
Deed Book / Page	43217 / 107
Record Updated	Sep 20, 2026

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Feb 9, 2026
Property Address	431 CENTRAL ST, SAUGUS, MA 01906-3630
Document Number	043217-107
Book / Page	43217 / 107
Instrument Date	Feb 9, 2026
Instrument	1760
Transaction Type	Transfer
Record Updated	Jul 1, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Relationship	Tenants by the Entirety
Address	431 CENTRAL ST, SAUGUS, MA 01906-3630

Mortgage

Document Number	20260209001770
Date	Feb 9, 2026
Instrument	20260209001770

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

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	$5,828.00 (+6.27%)	$545,700 (+5.98%) Land $286,800 Building $258,900	$573,990
2024	$5,484.00 (+0.98%)	$514,900 (+6.76%) Land $260,800 Building $254,100
2023	$5,431.00	$482,300 Land $234,700 Building $247,600

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	6 (1979–2010)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Mar 2010 · 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	Low lower than 98% of the US · lower than 96% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 554 locations within half a mile, as of December 31, 2025

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