495 Central St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 495 Central St, Saugus, MA 01906

Property Summary

Property Type	Triplex
Details	6 bd · 3 ba · 2,947 sqft · built 1880
Lot Size	0.193 acres (8,390 sqft)
Owner	Individual Name on Record
Last Sale	$760,000 (Jul 2026)
Tax Bill	$8,529 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jul 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:005-F B:0008 L:0008`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:005-F B:0008 L:0008`
Alternative APNs	`M:005=F B:0008 L:0008` `5196025`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Units	3 Units
Stories	3 Stories
Building Area	2,947 sqft Living Area
Gross Area	4,868 sqft
1st Floor Area	1,407 sqft
Basement Area	1,272 sqft
Unfinished Basement	1,272 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,390 sqft (0.193 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	5196025
Street Address	495 CENTRAL ST
City	SAUGUS
State	MA
Zip	01906-3744
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	NA
Legal Block	8
Legal Lot Number	8
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	2
Census Block	2021
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	495 CENTRAL ST, SAUGUS, MA 01906-3744
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Quit Claim Deed, Transfer · Conventional Mortgage ROCKLAND TRUST COMPANY
Jul 19, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2026 · Amount on Record
Deed Sale	Jul 1, 2026 · Amount on Record
Deed Document Number	2026350
Deed Book / Page	43480 / 483
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jul 1, 2026
Property Address	495 CENTRAL ST, SAUGUS, MA 01906-3744
Document Number	0000000350
Book / Page	43480 / 483
Instrument Date	Jun 22, 2026
Instrument	2026350
Transaction Type	Transfer
Record Updated	Jul 22, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 CENTRAL ST, SAUGUS, MA 01906-3744

Mortgage

Date	Jul 1, 2026

Lender

Name	ROCKLAND TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.51%
Max Rate	-1%

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jul 19, 2018
Property Address	495 CENTRAL ST, SAUGUS, MA 01906-3744
Document Number	36874-146
Book / Page	036874 / 000146
Instrument Date	Sep 12, 2017
Instrument	1807192530
Transaction Type	Transfer
Record Updated	Aug 13, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	5 OLD COACH RD LONDONDERRY NH 030533901, LONDONDERRY, NH 03053-3901

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
2026	$8,529.00 (+1.97%)	$818,500 (+4.52%) Land $322,600 Building $495,900
2025	$8,364.00 (+5.3%)	$783,100 (+5%) Land $291,700 Building $491,400
2024	$7,943.00 (+1.83%)	$745,800 (+7.67%) Land $265,200 Building $480,600
2023	$7,800.00	$692,700 Land $238,700 Building $454,000

Assessed value is set for property tax purposes and is not a market price estimate.

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.

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