Essex County and Saugus Town property record for 444 Central St, Saugus, MA 01906
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,296 sqft · built 1910 |
| Lot Size | 0.085 acres (3,698 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $485,000 (Oct 2022) |
| Tax Bill | $5,770 (2026) |
| Deeds & Mortgages | May 2023 Refinance May 2023 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SAUG M:006-F B:0004 L:0027 |
| Primary APN | SAUG M:006-F B:0004 L:0027 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,296 sqft Living Area |
| Gross Area | 2,301 sqft |
| 1st Floor Area | 816 sqft |
| Basement Area | 816 sqft |
| Unfinished Basement | 816 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,698 sqft (0.085 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 8458016 |
|---|---|
| Street Address | 444 CENTRAL ST |
| City | SAUGUS |
| State | MA |
| Zip | 01906-3637 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NA |
| Legal Block | 4 |
| Legal Lot Number | 27 |
| Jurisdiction | SAUGUS MA |
| Township / Civil Division | SAUGUS |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 208200 |
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 444 CENTRAL ST, SAUGUS, MA 01906-3637 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 30, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance PRIMELENDING |
| May 30, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Oct 17, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage STEVEN A ROSS |
| May 6, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 17, 2022 · Amount on Record |
| Deed Sale | Oct 17, 2022 · Amount on Record |
| Deed Document Number | 20222960 |
| Last Transfer Date | May 24, 2023 |
| Transfer Doc | 041585-396 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 444 CENTRAL ST, SAUGUS, MA 01906-3637 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2023 |
| Name | Verified Name |
|---|
| Document Number | 041585-400 |
|---|---|
| Date | May 30, 2023 |
| Book Page | 41585/400 |
| Instrument | 20230530000660 |
| Name | PRIMELENDING |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAUGUS MA |
| Recording Date | May 30, 2023 |
| Property Address | 444 CENTRAL ST, SAUGUS, MA 01906-3637 |
| Document Number | 041585-396 |
| Book / Page | 41585 / 396 |
| Instrument Date | May 24, 2023 |
| Instrument | 20230530000650 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 444 CENTRAL ST, SAUGUS, MA 01906-3637 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAUGUS MA |
| Recording Date | Oct 17, 2022 |
| Property Address | 444 CENTRAL ST, SAUGUS, MA 01906-3637 |
| Document Number | 0041250-88 |
| Book / Page | 41250 / 88 |
| Instrument Date | Oct 14, 2022 |
| Instrument | 20221017002960 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 63 ESSEX ST, SAUGUS, MA 01906-4311 |
| Document Number | 221017002970 |
|---|---|
| Date | Oct 17, 2022 |
| Instrument | 221017002970 |
| Name | STEVEN A ROSS |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 444 CENTRAL ST, SAUGUS, MA 01906-3637 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 37490-198 |
|---|---|
| Date | May 6, 2019 |
| Book Page | 37490/198 |
| Instrument | 20190506001820 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2049 |
Source: Essex County and Saugus Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Saugus Town |
| Unified School District | Saugus School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,770.00 (+3.7%) | $553,700 (+6.28%) Land $305,500 Building $248,200 | $642,829 (+16.81%) |
| 2025 | $5,564.00 (+6.47%) | $521,000 (+6.17%) Land $276,200 Building $244,800 | $550,335 |
| 2024 | $5,226.00 (+5.05%) | $490,700 (+11.07%) Land $251,100 Building $239,600 | |
| 2023 | $4,975.00 | $441,800 Land $226,000 Building $215,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 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.
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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 Fixed Wireless | 100 / 20 |
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