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490 Main St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 490 Main St, Saugus, MA 01906 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms2 Beds
Bathrooms2 Baths
Year BuiltBuilt 1960
Square Footage1,200 sqft Living Area
Lot Size12,794 sqft (0.294 acres)
OccupancyOwner Occupied
Last Sale$545,000 (2021)
Tax Bill$6,098.00 (2025)

Property Details

APN / Parcel Number

Primary APNSAUG M:013-B B:0001 L:0010
Alternative APNs
  • M:013=B B:0001 L:0010
  • 4638017

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Building Area1,200 sqft Living Area
Gross Area2,592 sqft Gross Area
1st Floor1,200 sqft 1st Floor
Basement Area800 sqft Basement
Unfinished Basement800 sqft Unfinished
Stories1 Stories
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1960
Effective Year BuiltEffective 1960
Architectural StyleRanch Style
Exterior MaterialWood Siding Exterior
Construction TypeFrame Construction
Roof ConstructionGable Roof Construction
Roof MaterialAsphalt Roof
Lot Area12,794 sqft (0.294 acres)

Utilities and HVAC

Heating SystemHot Water Heating
Heating FuelOil Heating Fuel

Location & Zoning

Account Number4638017
Street Address490 MAIN ST
CitySAUGUS
StateMA
Zip01906-3155
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal Block1
Legal Lot Number10
JurisdictionSAUGUS MA
Minor Civil DivisionSAUGUS
Census Blockgroup1
Census Block1000
Census Tract208402

Owner

Source: Essex County and Saugus Town records · APN SAUG M:013-B B:0001 L:0010

Assessment roll updated April 14, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address490 MAIN ST, SAUGUS, MA 01906-3155
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingTenant By Entirety

Deeds, Mortgages & Sale History

DateDocument
Jun 18, 2026Deed of Trust, Mortgage
SECRETARY OF HOUSING AND URBAN DEVELOPMEN
Nov 30, 2022Deed of Trust, Mortgage · Veterans Administration Mortgage
SECRETARY HOUSING URBAN DEVELOPMENT
Aug 16, 2023Deed of Trust, Mortgage · Veterans Administration Mortgage
SECRETARY HOUSING URBAN DEVELOPMENT
May 01, 2024Deed of Trust, Mortgage · Veterans Administration Mortgage
SECRETARY HOUSING URBAN DEVELOPMENT
Apr 22, 2025Deed of Trust, Mortgage · Veterans Administration Mortgage
SECRETARY HOUSING URBAN DEVELOPMENT
Jan 03, 2024Quit Claim Deed, Transfer
Quitclaim Document
Aug 12, 2021Quit Claim Arm's Length for NE States, Transfer · Federal Housing Administration (FHA) Mortgage
ROCKET MORTGAGE
Aug 27, 2019Deed of Trust, Mortgage · Stand Alone Refinance
DISCOVER BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 12, 2021 · Amount on Record
Deed SaleAug 12, 2021 · Amount on Record
Prior SaleNov 10, 2011 · Amount on Record
Deed Book / Page40171 / 526
Last Transfer DateJan 02, 2024
Transfer Doc0041936-61
Record RefreshedSep 20, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAUGUS MA
Recording DateJun 18, 2026
Property Address490 MAIN ST, SAUGUS, MA 01906-3155
Document Number0000003120
Book / Page43453 / 591
Instrument DateMay 13, 2026
Instrument20263120
Transaction TypeMortgage
Record UpdatedJul 12, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address490 MAIN ST, SAUGUS, MA 01906-3155

Mortgage

Document Number0000003120,
DateJun 18, 2026
Book Page43453/591
Instrument20263120
Lender
NameSECRETARY OF HOUSING AND URBAN DEVELOPMEN
Agreement
AmountAmount Recorded
Term301 Months
DueJul 01, 2051
Interest
Rate6.3%
Max Rate-1%

November 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAUGUS MA
Property Address490 MAIN ST, SAUGUS, MA 01906-3155
Transaction TypeMortgage
Record UpdatedJan 21, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number041325-547
DateNov 30, 2022
Book Page41325/547
Instrument20221130000800
Lender
NameSECRETARY HOUSING URBAN DEVELOPMENT
TypeGovernment Agency
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term349 Months
DueDec 01, 2051

August 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAUGUS MA
Property Address490 MAIN ST, SAUGUS, MA 01906-3155
Transaction TypeMortgage
Record UpdatedJan 21, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number041714-382
DateAug 16, 2023
Book Page41714/382
Instrument20230816000010
Lender
NameSECRETARY HOUSING URBAN DEVELOPMENT
TypeGovernment Agency
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term337 Months
DueSep 01, 2051

May 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAUGUS MA
Property Address490 MAIN ST, SAUGUS, MA 01906-3155
Transaction TypeMortgage
Record UpdatedJan 21, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0042096-49
DateMay 01, 2024
Book Page42096/49
Instrument20240501002740
Lender
NameSECRETARY HOUSING URBAN DEVELOPMENT
TypeGovernment Agency
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term325 Months
DueJun 01, 2051

April 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAUGUS MA
Property Address490 MAIN ST, SAUGUS, MA 01906-3155
Transaction TypeMortgage
Record UpdatedJan 21, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number042673-584
DateApr 22, 2025
Book Page42673/584
Instrument20250422002240
Lender
NameSECRETARY HOUSING URBAN DEVELOPMENT
TypeGovernment Agency
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term313 Months
DueMay 01, 2051

January 2024: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAUGUS MA
Recording DateJan 03, 2024
Property Address490 MAIN ST, SAUGUS, MA 01906-3155
Document Number0041936-61
Book / Page41936 / 61
Instrument DateJan 02, 2024
Instrument20240103001510
Transaction TypeTransfer
Record UpdatedJan 19, 2024

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenant By Entirety
Address490 MAIN ST, SAUGUS, MA 01906-3155

August 2021: Quit Claim Arm's Length for NE States, Transfer

Document TypeQuit Claim Arm's Length for NE States
JurisdictionSAUGUS MA
Recording DateAug 12, 2021
Property Address490 MAIN ST, SAUGUS, MA 01906-3155
Document Number040171-526
Book / Page40171 / 526
Instrument DateAug 11, 2021
Transaction TypeTransfer
Record UpdatedJan 21, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenant By Entirety
Address490 MAIN ST, SAUGUS, MA 01906-3155

Mortgage

Document Number0040171528
DateAug 12, 2021
Instrument40171/528
Lender
NameROCKET MORTGAGE
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded

August 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAUGUS MA
Property Address490 MAIN ST, SAUGUS, MA 01906-3155
Transaction TypeMortgage
Record UpdatedMar 03, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number37787-63
DateAug 27, 2019
Book Page37787/63
Instrument20190827000840
Lender
NameDISCOVER BANK
TypeBank
Agreement
TypeStand Alone Refinance
AmountAmount Recorded
Term121 Months
DueSep 01, 2029

Tax Assessment & Valuation

Source: Essex County and Saugus Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyEssex County
County SubdivisionSaugus Town
Unified School DistrictSaugus School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$6,098.00 (+11.56%)$571,000 (+11.26%) Land $306,200 Building $264,800$660,250
2024$5,466.00 (+1.64%)$513,200 (+7.45%) Land $275,300 Building $237,900
2023$5,378.00$477,600 Land $247,800 Building $229,800

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