502 Central St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 502 Central St, Saugus, MA 01906

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,180 sqft · built 1950
Lot Size	0.131 acres (5,719 sqft)
Owner	2 Individual Names on Record
Last Sale	$560,000 (Jun 2022)
Tax Bill	$5,887 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Jun 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:005-F B:0012 L:0028`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:005-F B:0012 L:0028`
Alternative APNs	`M:005=F B:0012 L:0028` `136011`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,180 sqft Living Area
Gross Area	2,638 sqft
1st Floor Area	768 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,719 sqft (0.131 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	136011
Street Address	502 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	28
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	502 CENTRAL ST, SAUGUS, MA 01906-3746
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) EASTERN BANK
Jun 22, 2022	Quit Claim Deed, Transfer · ARM EASTERN BANK
Apr 29, 2022	Quit Claim Deed, Transfer
Feb 22, 2022	Quit Claim Deed, Transfer Quitclaim
Mar 12, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2022 · Amount on Record
Deed Sale	Jun 22, 2022 · Amount on Record
Prior Sale	Apr 29, 2022 · Amount on Record
Deed Document Number	20221440
Prior Transfer Date	Feb 21, 2022
Prior Transfer Doc	040741-237
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	502 CENTRAL ST, SAUGUS, MA 01906-3746
Transaction Type	Mortgage
Record Updated	Jul 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041016-307
Date	Jun 22, 2022
Book Page	41016/307
Instrument	20220622001460

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Jun 22, 2022
Property Address	502 CENTRAL ST, SAUGUS, MA 01906-3746
Document Number	041016-285
Book / Page	41016 / 285
Instrument Date	Jun 21, 2022
Instrument	20220622001440
Transaction Type	Transfer
Record Updated	Jul 24, 2024

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
Relationship	Tenants by the Entirety
Address	502 CENTRAL ST, SAUGUS, MA 01906-3746

Mortgage

Document Number	20220622001450
Date	Jun 22, 2022
Instrument	20220622001450

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Jul 1, 2032
Index	1-Year CMT

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Apr 29, 2022
Property Address	502 CENTRAL ST, SAUGUS, MA 01906-3746
Document Number	040900-209
Book / Page	40900 / 209
Instrument Date	Apr 28, 2022
Instrument	20220429003870
Transaction Type	Transfer
Record Updated	May 13, 2022

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	PO BOX 1521, WAKEFIELD, MA 01880-5521

February 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Feb 22, 2022
Property Address	502 CENTRAL ST, SAUGUS, MA 01906-3746
Document Number	040741-237
Book / Page	40741 / 237
Instrument Date	Feb 21, 2022
Instrument	20220222002410
Transaction Type	Transfer
Record Updated	Nov 15, 2022

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
Relationship	Tenants by the Entirety
Address	502 CENTRAL ST, SAUGUS, MA 01906-3746

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAUGUS MA
Recording Date	Mar 12, 2019
Property Address	502 CENTRAL ST, SAUGUS, MA 01906-3746
Document Number	37375-588
Book / Page	037375 / 000588
Instrument Date	Feb 5, 2019
Instrument	1903121170
Transaction Type	Transfer
Record Updated	Mar 27, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	502 CENTRAL ST SAUGUS MA 019063746, SAUGUS, MA 01906-3746

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	$5,887.00 (+6.57%)	$551,200 (+6.27%) Land $282,900 Building $268,300	$626,145
2024	$5,524.00 (+19.75%)	$518,700 (+26.6%) Land $257,200 Building $261,500
2023	$4,613.00	$409,700 Land $231,400 Building $178,300

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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