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437 Central St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 437 Central St, Saugus, MA 01906

Property Summary

Property TypeDuplex
Details7 bd · 5 ba · 2,452 sqft · built 1880
Lot Size0.296 acres (12,889 sqft)
OwnerIndividual Name on Record
Last Sale$945,000 (Jul 2022)
Tax Bill$10,537 (2026)
Deeds & MortgagesJul 2022 Sale & Mortgage
Dec 2021 Sale & Mortgage
+ 7 more
Flood ZoneZone X (minimal risk)
APNSAUG M:006-E B:0017 L:0011

Property Details

APN / Parcel Number

Primary APNSAUG M:006-E B:0017 L:0011
Alternative APNs
  • M:006=E B:0017 L:0011
  • 9057015

Interior

Bedrooms7 Beds
Full Baths5 Baths
Total Rooms12 Rooms
Units2 Units
Stories2 Stories
Building Area2,452 sqft Living Area
Gross Area5,686 sqft
1st Floor Area1,024 sqft
Basement Area1,024 sqft
Unfinished Basement1,024 sqft

Exterior

Year BuiltBuilt 1880
Effective Year BuiltEffective 1880
Architectural StyleOther
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeHip
Roof MaterialAsphalt
Lot Area12,889 sqft (0.296 acres)
Garage TypeAttached

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account Number9057015
Street Address437 CENTRAL ST
CitySAUGUS
StateMA
Zip01906-3663
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Local Zoning CodeNA
Legal SubdivisionTOWN SAUGUS
Legal Block17
Legal Lot Number11
JurisdictionSAUGUS MA
Township / Civil DivisionSAUGUS
Census Block Group2
Census Block2013
Census Tract208200

Owner

Source: Essex County and Saugus Town records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address19 HAWES ST, 2, REVERE, MA 02151-4611
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 15, 2022Quit Claim Deed, Transfer · Stand-Alone First Mortgage
NATIONS DIRECT MORTGAGE LLC
Dec 3, 2021Quit Claim Deed, Transfer · Stand-Alone First Mortgage
HOME POINT FINANCIAL CORPORATION
Dec 3, 2021Correction Deed
Aug 31, 2021Quit Claim Deed, Transfer · Stand-Alone Refinance
NEW FED MORTGAGE CORP
Mar 24, 2020Quit Claim Deed, Transfer
NOT AVAILABLE
Mar 19, 2020Deed of Trust, Mortgage · Conventional Mortgage
NEW FED MTG CORP
Aug 31, 2021Quit Claim Deed, Transfer
Quitclaim
Dec 26, 2017Quit Claim Deed, Transfer
NEW FREEDOM MORTGAGE CORP
Feb 6, 2017Quit Claim Deed, Transfer
HOME POINT FINL CORP

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 15, 2022 · Amount on Record
Deed SaleJul 15, 2022 · Amount on Record
Prior SaleDec 3, 2021 · Amount on Record
Deed Book / Page41068 / 141
Prior Transfer DateJul 14, 2022
Prior Transfer Doc041068-141
Record UpdatedOct 29, 2026

July 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAUGUS MA
Recording DateJul 15, 2022
Property Address437 CENTRAL ST, SAUGUS, MA 01906-3663
Document Number041068-141
Book / Page41068 / 141
Instrument DateJul 14, 2022
Instrument20220715003470
Transaction TypeTransfer
Record UpdatedJul 29, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address437 CENTRAL ST, SAUGUS, MA 01906-3663

Mortgage

Document Number220715003480
DateJul 15, 2022
Instrument220715003480
Lender
NameNATIONS DIRECT MORTGAGE LLC
TypeMortgage Company
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

December 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAUGUS MA
Recording DateDec 3, 2021
Property Address437 CENTRAL ST, SAUGUS, MA 01906-3663
Document Number040546-196
Book / Page40546 / 196
Instrument DateDec 3, 2021
Transaction TypeTransfer
Record UpdatedJan 21, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address437 CENTRAL ST, SAUGUS, MA 01906-3663

Mortgage

Document Number0040546202
DateDec 3, 2021
Instrument40546/202
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeGovernment Agency
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

December 2021: Correction Deed

Document TypeCorrection Deed
JurisdictionSAUGUS MA
Recording DateDec 3, 2021
Property Address437 CENTRAL ST, SAUGUS, MA 01906-3663
Document Number040546-190
Book / Page40546 / 190
Instrument DateNov 24, 2021
Instrument20211203005090
Record UpdatedDec 17, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address437 CENTRAL ST, SAUGUS, MA 01906-3663
InvestorPossibly a Property Investor

August 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAUGUS MA
Recording DateAug 31, 2021
Property Address437 CENTRAL ST, SAUGUS, MA 01906-3663
Document Number040232-114
Book / Page40232 / 114
Instrument DateAug 26, 2021
Instrument20210831005080
Transaction TypeTransfer
Record UpdatedJul 26, 2024

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address295 CRESCENT AVE, REVERE, MA 02151-4244

Mortgage

Document Number20210831005090
DateAug 31, 2021
Instrument20210831005090
Lender
NameNEW FED MORTGAGE CORP
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term361 Months
DueSep 1, 2051

March 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAUGUS MA
Recording DateMar 24, 2020
Property Address437 CENTRAL ST, SAUGUS, MA 01906-3663
Document Number38360-194
Book / Page038360 / 000194
Instrument DateMar 19, 2020
Instrument24001730
Transaction TypeTransfer
Record UpdatedApr 14, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address437 CENTRAL ST SAUGUS MA 019063632, SAUGUS, MA 01906-3632

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAUGUS MA
Property Address437 CENTRAL ST, SAUGUS, MA 01906-3663
Document Number38360-196
Instrument DateMar 19, 2020
Transaction TypeMortgage
Record UpdatedJun 23, 2021
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address437 CENTRAL ST SAUGUS MA 019063632, SAUGUS, MA 01906-3632

Mortgage

Document Number38360-196
DateMar 24, 2020
Book Page038360/000196
Instrument24001740
Lender
NameNEW FED MTG CORP
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 23, 2050

August 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAUGUS MA
Recording DateAug 31, 2021
Property Address437 CENTRAL ST, SAUGUS, MA 01906-3663
Document Number40232-112
Book / Page40232 / 112
Instrument DateMar 19, 2020
Instrument20210831005070
Transaction TypeTransfer
Record UpdatedSep 17, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address437 CENTRAL ST, SAUGUS, MA 01906-3663
InvestorPossibly a Property Investor

December 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAUGUS MA
Recording DateDec 26, 2017
Property Address437 CENTRAL ST, SAUGUS, MA 01906-3663
Document Number36430-354
Book / Page36430 / 354
Instrument171226000050
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$51.38
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address437 CENTRAL ST, SAUGUS, MA 01906-3663
InvestorPossibly a Property Investor

Mortgage

Document Number364300356
DateDec 26, 2017
Instrument36430/0356
Lender
NameNEW FREEDOM MORTGAGE CORP
TypeSubprime Lender
Agreement
AmountAmount Recorded
Term360 Months
DueDec 26, 2047

February 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAUGUS MA
Recording DateFeb 6, 2017
Property Address437 CENTRAL ST, SAUGUS, MA 01906-3663
Document Number35664-350
Book / Page35664 / 350
Instrument299
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$51.38
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number356640353
DateFeb 6, 2017
Instrument35664/0353
Lender
NameHOME POINT FINL CORP
Agreement
AmountAmount Recorded
Term360 Months
DueFeb 6, 2047

Tax Assessment & Valuation

Source: Essex County and Saugus Town assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyEssex County
County SubdivisionSaugus Town
Unified School DistrictSaugus School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$10,537.00 (+1.93%)$1,011,200 (+4.47%) Land $339,100 Building $667,200$920,994
2025$10,337.00 (+4.78%)$967,900 (+4.49%) Land $306,500 Building $661,400
2024$9,865.00 (-5.39%)$926,300 (+0.03%) Land $278,700 Building $647,600
2023$10,427.00$926,000 Land $250,800 Building $675,200

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 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

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 RiskLow
lower than 98% of the US · lower than 96% of Massachusetts
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemSAUGUS WATER DEPT. (MWRA)
serves 27,844 people · EPA ID MA3262000
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, 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

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

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