496 Central St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 496 Central St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,750 sqft · built 1825
Lot Size	0.195 acres (8,477 sqft)
Owner	2 Individual Names on Record
Last Sale	$405,000 (Jul 2015)
Tax Bill	$5,907 (2025)
Deeds & Mortgages	Feb 2021 Refinance Jan 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:005-F B:0012 L:0023`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:005-F B:0012 L:0023`
Alternative APNs	`M:005=F B:0012 L:0023` `3430002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,750 sqft Living Area
Gross Area	3,243 sqft
1st Floor Area	875 sqft
Basement Area	875 sqft
Unfinished Basement	875 sqft

Exterior

Year Built	Built 1825
Effective Year Built	Effective 1825
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,477 sqft (0.195 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	3430002
Street Address	496 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	23
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 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	496 CENTRAL ST, SAUGUS, MA 01906-3746
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Jan 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance EASTERN BANK
Mar 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUAD CTY BK&TR
Feb 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2015 · Amount on Record
Deed Sale	Jul 21, 2015 · Amount on Record
Prior Sale	May 16, 1994 · Amount on Record
Deed Book / Page	34233 / 388
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	496 CENTRAL ST, SAUGUS, MA 01906-3746
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039505-356
Date	Feb 8, 2021
Book Page	39505/356
Instrument	20210208005250

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	496 CENTRAL ST, SAUGUS, MA 01906-3746
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38207-1
Date	Jan 22, 2020
Book Page	38207/1
Instrument	20200122002060

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	496 CENTRAL ST, SAUGUS, MA 01906-3746
Document Number	37380-42
Instrument Date	Mar 8, 2019
Transaction Type	Mortgage
Record Updated	Apr 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	496 CENTRAL ST SAUGUS MA 019063746, SAUGUS, MA 01906-3746

Mortgage

Document Number	37380-42
Date	Mar 14, 2019
Book Page	037380/000042
Instrument	1903141100

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 13, 2034

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	496 CENTRAL ST, SAUGUS, MA 01906-3746
Document Number	35713-510
Book / Page	035713 / 000510
Instrument Date	Feb 22, 2017
Transaction Type	Mortgage
Record Updated	Mar 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	35713-510
Date	Mar 3, 2017
Book Page	035713/000510
Instrument	1703030015

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 2, 2037

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	$5,907.00 (+5.99%)	$553,100 (+5.69%) Land $292,000 Building $261,100	$673,075
2024	$5,573.00 (+2.18%)	$523,300 (+8.03%) Land $265,400 Building $257,900
2023	$5,454.00	$484,400 Land $238,900 Building $245,500

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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