485 Central St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 485 Central St, Saugus, MA 01906 · Last verified April 2026

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,055 sqft · built 1860
Lot Size	0.135 acres (5,868 sqft)
Owner	2 Individual Names on File
Last Sale	$661,000 (May 2021)
Tax Bill	$7,476 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:005-F B:0004 L:0011`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:005-F B:0004 L:0011`
Alternative APNs	`M:005=F B:0004 L:0011` `10149001`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,055 sqft Living Area
Gross Area	4,093 sqft
1st Floor Area	1,034 sqft
Basement Area	1,020 sqft
Unfinished Basement	1,020 sqft

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,868 sqft (0.135 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10149001
Street Address	485 CENTRAL ST
City	SAUGUS
State	MA
Zip	01906-3742
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	4
Legal Lot Number	11
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2003
Census Tract	208101

Owner

Source: Essex County and Saugus Town records · APN SAUG M:005-F B:0004 L:0011

Assessment roll updated April 14, 2026 · Last verified April 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 File
Mailing Address	51 PINE ST, PEABODY, MA 01960-3631
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 27, 2021 · Amount on Record
Deed Sale	May 27, 2021 · Amount on Record
Prior Sale	Oct 01, 1997 · Amount on Record
Deed Book / Page	39925 / 61
Record Updated	Jun 08, 2026

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	May 27, 2021
Property Address	485 CENTRAL ST, SAUGUS, MA 01906-3742
Document Number	0039925-61
Book / Page	39925 / 61
Instrument Date	May 27, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	51 PINE ST, PEABODY, MA 01960-3631

Mortgage

Document Number	0003992563
Date	May 27, 2021
Instrument	39925/63

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Essex County and Saugus Town records · Assessment roll updated April 14, 2026 · Last verified April 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 is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$7,476.00 (+6.6%)	$700,000 (+6.3%) Land $283,400 Building $416,600
2024	$7,013.00 (+3.93%)	$658,500 (+9.88%) Land $257,600 Building $400,900
2023	$6,748.00	$599,300 Land $231,800 Building $367,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Essex County (25009C), updated July 10, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.