438 Central St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 438 Central St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,320 sqft · built 1800
Lot Size	0.129 acres (5,637 sqft)
Owner	Individual Name on File
Last Sale	$188,000 (Apr 2002)
Tax Bill	$5,457 (2025)
Deeds & Mortgages	Aug 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:006-F B:0005 L:0012`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:006-F B:0005 L:0012`
Alternative APNs	`M:006=F B:0005 L:0012` `93028`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,320 sqft Living Area
Gross Area	2,424 sqft
1st Floor Area	784 sqft
Basement Area	784 sqft
Unfinished Basement	784 sqft

Exterior

Year Built	Built 1800
Effective Year Built	Effective 1800
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,637 sqft (0.129 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	93028
Street Address	438 CENTRAL ST
City	SAUGUS
State	MA
Zip	01906-3656
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	5
Legal Lot Number	12
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:0012

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	438 CENTRAL ST, SAUGUS, MA 01906-3656
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 29, 2002 · Amount on Record
Deed Sale	Apr 29, 2002 · Amount on Record
Prior Sale	Aug 08, 1995 · Amount on Record
Deed Book / Page	18641 / 525
Record Updated	Sep 20, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	438 CENTRAL ST, SAUGUS, MA 01906-3656
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36941-363
Date	Aug 16, 2018
Book Page	36941/363
Instrument	180816001020

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
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	$5,457.00 (+6.64%)	$511,000 (+6.35%) Land $282,600 Building $228,400	$545,300
2024	$5,117.00 (+1.35%)	$480,500 (+7.16%) Land $256,900 Building $223,600
2023	$5,049.00	$448,400 Land $231,200 Building $217,200

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 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

Wildfire

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

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

Provider	Max 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 System	SAUGUS WATER DEPT. (MWRA) serves 27,844 people
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 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.