493 Central St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 493 Central St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,744 sqft · built 1920
Lot Size	0.072 acres (3,128 sqft)
Owner	2 Individual Names on Record
Last Sale	$303,000 (Jul 2004)
Tax Bill	$5,576 (2025)
Deeds & Mortgages	Nov 2021 Refinance Nov 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:005-F B:0005 L:0007`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:005-F B:0005 L:0007`
Alternative APNs	`M:005=F B:0005 L:0007` `3822012`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	1,744 sqft Living Area
Gross Area	2,842 sqft
1st Floor Area	688 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,128 sqft (0.072 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3822012
Street Address	493 CENTRAL ST
City	SAUGUS
State	MA
Zip	01906-3743
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NA
Legal Block	5
Legal Lot Number	7
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2012
Census Tract	208101

Owner

Source: Essex County and Saugus Town records, as of July 20, 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 Record
Mailing Address	493 CENTRAL ST, SAUGUS, MA 01906-3743
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Nov 20, 2017	Deed of Trust, Mortgage NATIONSTAR MORTGAGE LLC
Nov 29, 2018	Deed of Trust, Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2004 · Amount on Record
Deed Sale	Jul 28, 2004 · Amount on Record
Prior Sale	Sep 28, 1994 · Amount on Record
Deed Book / Page	23180 / 386
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	493 CENTRAL ST, SAUGUS, MA 01906-3743
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40468-200
Date	Nov 9, 2021
Book Page	40468/200
Instrument	20211109004030

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2046

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	493 CENTRAL ST, SAUGUS, MA 01906-3743
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36343-499
Date	Nov 20, 2017
Book Page	36343/499
Instrument	171120000050

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2032

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	493 CENTRAL ST, SAUGUS, MA 01906-3743
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37181-124
Date	Nov 29, 2018
Book Page	37181/124
Instrument	181129001210

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

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
2025	$5,576.00 (+6.47%)	$522,100 (+6.18%) Land $274,300 Building $247,800	$629,850
2024	$5,237.00 (+1.37%)	$491,700 (+7.17%) Land $249,400 Building $242,300
2023	$5,166.00	$458,800 Land $224,400 Building $234,400

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	1 in force
Nearby Flood Claims	3 (1979–1984)
Most Recent Claim	Jun 1984 · tidal / storm surge

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.

Nearby Properties on Central St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures