490 Central St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 490 Central St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1900
Lot Size	0.211 acres (9,191 sqft)
Owner	Individual Name on Record
Last Sale	$450,000 (Nov 2020)
Tax Bill	$5,952 (2026)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:005-F B:0012 L:0021`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:005-F B:0012 L:0021`
Alternative APNs	`M:005=F B:0012 L:0021` `4926022`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,344 sqft Living Area
Gross Area	2,892 sqft
1st Floor Area	896 sqft
Basement Area	896 sqft
Unfinished Basement	896 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,191 sqft (0.211 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4926022
Street Address	490 CENTRAL ST
City	SAUGUS
State	MA
Zip	01906-3746
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	12
Legal Lot Number	21
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1008
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	490 CENTRAL ST, SAUGUS, MA 01906-3746
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2020	Quit Claim Deed, Transfer · VA Mortgage RESIDENTIAL MTG SVC
Apr 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSS CNTRY MTG
Mar 31, 2017	Quit Claim Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2020 · Amount on Record
Deed Sale	Nov 30, 2020 · Amount on Record
Prior Sale	Mar 31, 2017 · Amount on Record
Prior Transfer Date	Nov 20, 2020
Prior Transfer Doc	0000619152
Record Updated	Oct 29, 2026

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Nov 30, 2020
Property Address	490 CENTRAL ST, SAUGUS, MA 01906-3746
Document Number	0000619152
Instrument Date	Nov 20, 2020
Instrument	619152
Transaction Type	Transfer
Record Updated	Dec 15, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,052.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 CENTRAL ST SAUGUS MA 019061207, SAUGUS, MA 01906-1207

Mortgage

Document Number	619153
Date	Nov 30, 2020
Instrument	619153

Lender

Name	RESIDENTIAL MTG SVC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 29, 2050

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	490 CENTRAL ST, SAUGUS, MA 01906-3746
Document Number	0000611861
Instrument Date	Apr 29, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 CENTRAL ST SAUGUS MA 019063746, SAUGUS, MA 01906-3746

Mortgage

Document Number	0000611861
Date	May 4, 2020
Instrument	611861

Lender

Name	CROSS CNTRY MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 3, 2050

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Mar 31, 2017
Property Address	490 CENTRAL ST, SAUGUS, MA 01906-3746
Document Number	0000581274
Instrument Date	Mar 8, 2017
Instrument	581274
Transaction Type	Transfer
Record Updated	Aug 7, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,436.40
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 CENTRAL ST SAUGUS MA 019063746, SAUGUS, MA 01906-3746

Mortgage

Document Number	581275
Date	Mar 31, 2017
Instrument	581275

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 30, 2047

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	$5,952.00 (+3.55%)	$571,200 (+6.13%) Land $325,500 Building $238,200	$622,577 (+6.39%)
2025	$5,748.00 (+6.5%)	$538,200 (+6.2%) Land $294,300 Building $243,900	$585,200
2024	$5,397.00 (+1.22%)	$506,800 (+7.03%) Land $267,600 Building $239,200
2023	$5,332.00	$473,500 Land $240,800 Building $232,700

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
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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