492 Main St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 492 Main St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,160 sqft · built 2000
Lot Size	0.46 acres (20,033 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Jul 2013)
Tax Bill	$8,727 (2026)
Deeds & Mortgages	Jul 2024 Line of Credit Jun 2023 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:013-B B:0001 L:0029`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:013-B B:0001 L:0029`
Alternative APNs	`M:013=B B:0001 L:0029` `99028602`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,160 sqft Living Area
Gross Area	3,300 sqft
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	20,033 sqft (0.46 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	99028602
Street Address	492 MAIN ST
City	SAUGUS
State	MA
Zip	01906-3155
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	1
Legal Lot Number	29
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1000
Census Tract	208402

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	492 MAIN ST, SAUGUS, MA 01906-3155
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jun 6, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance SAVINGS BANK TRUST
Apr 14, 2023	Personal Representative Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2013 · Amount on Record
Deed Sale	Jul 10, 2013 · Amount on Record
Prior Sale	Jun 27, 2000 · Amount on Record
Deed Book / Page	32638 / 313
Transfer Doc	032638-313
Record Updated	Oct 29, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	492 MAIN ST, SAUGUS, MA 01906-3155
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042230-322
Date	Jul 23, 2024
Book Page	42230/322
Instrument	20240723000370

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	492 MAIN ST, SAUGUS, MA 01906-3155
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041599-395
Date	Jun 6, 2023
Book Page	41599/395
Instrument	20230606001130

Lender

Name	SAVINGS BANK TRUST
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

April 2023: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	SAUGUS MA
Recording Date	Apr 14, 2023
Property Address	492 MAIN ST, SAUGUS, MA 01906-3155
Document Number	041519-540
Book / Page	41519 / 540
Instrument Date	Apr 14, 2023
Instrument	20230414001960
Transaction Type	Transfer
Record Updated	Apr 28, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	492 MAIN ST, SAUGUS, MA 01906-3155

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	$8,727.00 (+4.17%)	$837,500 (+6.76%) Land $365,100 Building $472,400	$907,393 (+22.46%)
2025	$8,378.00 (+4.71%)	$784,500 (+4.42%) Land $330,100 Building $454,400	$741,000
2024	$8,001.00 (+2.55%)	$751,300 (+8.43%) Land $300,100 Building $451,200
2023	$7,802.00	$692,900 Land $270,100 Building $422,800

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 Policies	2 in force

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	Low lower than 94% of the US · lower than 88% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 41 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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