478480 Central St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 478480 Central St, Saugus, MA 01906

Property Summary

Property Type	Triplex
Details	4 bd · 3 ba · 2,458 sqft · built 1956
Lot Size	0.344 acres (14,972 sqft)
Owner	Individual Name on Record
Last Sale	$955,000 (Jun 2024)
Tax Bill	$9,327 (2025)
Deeds & Mortgages	Jun 2025 Mortgage May 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:006-F B:0007 L:0010`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:006-F B:0007 L:0010`
Alternative APNs	`M:006=F B:0007 L:0010` `907014`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Units	3 Units
Stories	2 Stories
Building Area	2,458 sqft Living Area
Gross Area	5,182 sqft
1st Floor Area	1,394 sqft
Basement Area	1,064 sqft
Unfinished Basement	1,064 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Triplex
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	14,972 sqft (0.344 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	907014
Street Address	478480 CENTRAL ST
City	SAUGUS
State	MA
Zip	01906-2120
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	NA
Legal Block	7
Legal Lot Number	10
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1007
Census Tract	208101

Owner

Source: Essex County and Saugus Town records, 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	Individual Name on Record
Mailing Address	141 DOW AVE, ARLINGTON, MA 02476-7141
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2025	Deed of Trust, Mortgage WORKERS CU
May 19, 2021	Deed of Trust, Mortgage · Line of Credit EASTERN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2024 · Amount on Record
Deed Sale	Jun 13, 2024 · Amount on Record
Deed Document Number	2024651858
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	478480 CENTRAL ST, SAUGUS, MA 01906-2120
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000659704
Date	Jun 30, 2025
Instrument	659704

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Jul 1, 2030
Index	1-Year CMT

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	478480 CENTRAL ST, SAUGUS, MA 01906-2120
Transaction Type	Mortgage
Record Updated	Jun 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	625273
Date	May 19, 2021
Instrument	625273

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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
2025	$9,327.00 (+14.71%)	$873,300 (+14.38%) Land $313,400 Building $559,900
2024	$8,131.00 (+2.82%)	$763,500 (+8.71%) Land $284,900 Building $478,600
2023	$7,908.00	$702,300 Land $256,400 Building $445,900

Assessed value is set for property tax purposes and is not a market price estimate.

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
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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