462 Central St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 462 Central St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,151 sqft · built 1927
Lot Size	0.136 acres (5,924 sqft)
Owner	Individual Name on Record
Last Sale	$316,000 (May 2007)
Tax Bill	$5,509 (2026)
Deeds & Mortgages	Jul 2022 Line of Credit Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:006-F B:0009 L:0062`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:006-F B:0009 L:0062`
Alternative APNs	`M:006=F B:0009 L:0062` `5919023`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,151 sqft Living Area
Gross Area	2,010 sqft
1st Floor Area	606 sqft
Basement Area	606 sqft
Unfinished Basement	606 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,924 sqft (0.136 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	5919023
Street Address	462 CENTRAL ST
City	SAUGUS
State	MA
Zip	01906-3745
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	9
Legal Lot Number	62
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1006
Census Tract	208101

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 Record	Individual Name on Record
Mailing Address	462 CENTRAL ST, SAUGUS, MA 01906-3745
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jan 21, 2020	Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK
Jun 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2007 · Amount on Record
Deed Sale	May 7, 2007 · Amount on Record
Prior Sale	May 21, 1996 · Amount on Record
Deed Book / Page	26815 / 572
Transfer Doc	26815-572
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	462 CENTRAL ST, SAUGUS, MA 01906-3745
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041090-196
Date	Jul 27, 2022
Book Page	41090/196
Instrument	20220727000100

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	462 CENTRAL ST, SAUGUS, MA 01906-3745
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38201-599
Date	Jan 21, 2020
Book Page	38201/599
Instrument	20200121000140

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	462 CENTRAL ST, SAUGUS, MA 01906-3745
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38645-65
Date	Jun 24, 2020
Book Page	38645/65
Instrument	20200624003590

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

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
2026	$5,509.00 (+3.61%)	$528,700 (+6.21%) Land $313,600 Building $203,200	$560,792 (+0.58%)
2025	$5,317.00 (+6.43%)	$497,800 (+6.12%) Land $283,500 Building $214,300	$557,555
2024	$4,996.00 (+1.03%)	$469,100 (+6.81%) Land $257,800 Building $211,300
2023	$4,945.00	$439,200 Land $232,000 Building $207,200

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 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 Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 1998 · Heavy Rains 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	Not rated no burnable land within 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 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 683 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, T-Mobile, Verizon.

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