498 Main St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 498 Main St, Saugus, MA 01906 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,656 sqft · built 2000
Lot Size	0.464 acres (20,216 sqft)
Owner	2 Individual Names on File
Last Sale	$694,900 (May 2015)
Tax Bill	$10,871 (2025)
Deeds & Mortgages	Apr 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:013-B B:0001 L:0032`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:013-B B:0001 L:0032`
Alternative APNs	`M:013=B B:0001 L:0032` `99031916`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,656 sqft Living Area
Gross Area	6,354 sqft
1st Floor Area	2,278 sqft
Basement Area	2,278 sqft
Unfinished Basement	2,278 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,216 sqft (0.464 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	99031916
Street Address	498 MAIN ST
City	SAUGUS
State	MA
Zip	01906-3155
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	32
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 · APN SAUG M:013-B B:0001 L:0032

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 Record	2 Individual Names on File
Mailing Address	498 MAIN ST, SAUGUS, MA 01906-3155
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 07, 2015 · Amount on Record
Deed Sale	May 07, 2015 · Amount on Record
Prior Sale	Mar 20, 2000 · Amount on Record
Deed Book / Page	34038 / 31
Record Updated	Sep 20, 2026

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Apr 15, 2020
Property Address	498 MAIN ST, SAUGUS, MA 01906-3155
Document Number	38422-257
Book / Page	38422 / 257
Instrument Date	Apr 08, 2020
Instrument	20200415001970
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	498 MAIN ST, SAUGUS, MA 01906-3155

Mortgage

Document Number	38422-259
Date	Apr 15, 2020
Book Page	38422/259
Instrument	20200415001980

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	May 01, 2035

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,871.00 (+4.6%)	$1,017,900 (+4.3%) Land $330,100 Building $687,800	$1,084,615
2024	$10,393.00 (+1.84%)	$975,900 (+7.68%) Land $300,100 Building $675,800
2023	$10,205.00	$906,300 Land $270,100 Building $636,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Essex County (25009C), updated July 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250092084021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 2 individual NFIP policies nearby
Nearby Flood Policies	2 in force 2 of 2 on primary residences

Wildfire

Wildfire Risk	Low above 5% of the US · above 11% of Massachusetts
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.