Essex County and Saugus Town property record for 76 Central St, Saugus, MA 01906 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,260 sqft · built 1962 |
| Lot Size | 0.23 acres (10,001 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $450,000 (Nov 2018) |
| Tax Bill | $5,684 (2025) |
| Deeds & Mortgages | Jul 2025 Mortgage Aug 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SAUG M:012-E B:0013 L:0001 |
| Primary APN | SAUG M:012-E B:0013 L:0001 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,260 sqft Living Area |
| Gross Area | 2,520 sqft |
| 1st Floor Area | 1,260 sqft |
| Basement Area | 1,056 sqft |
| Unfinished Basement | 1,056 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,001 sqft (0.23 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 245028 |
|---|---|
| Street Address | 76 CENTRAL ST |
| City | SAUGUS |
| State | MA |
| Zip | 01906-1276 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 13 |
| Legal Lot Number | 1 |
| Jurisdiction | SAUGUS MA |
| Township / Civil Division | SAUGUS |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 208302 |
Source: Essex County and Saugus Town records · APN SAUG M:012-E B:0013 L:0001
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 | 76 CENTRAL ST, SAUGUS, MA 01906-1276 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 29, 2025 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Aug 22, 2023 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Dec 11, 2024 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Nov 16, 2018 | Quit Claim Deed, Transfer · FHA Mortgage GUARANTEED RATE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 16, 2018 · Amount on Record |
| Deed Sale | Nov 16, 2018 · Amount on Record |
| Prior Sale | Oct 12, 2007 · Amount on Record |
| Deed Book / Page | 37159 / 208 |
| Transfer Doc | 2727000337 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 76 CENTRAL ST, SAUGUS, MA 01906-1276 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0042856-39 |
|---|---|
| Date | Jul 29, 2025 |
| Book Page | 42856/39 |
| Instrument | 20250729001280 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 277 Months |
| Due | Aug 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 76 CENTRAL ST, SAUGUS, MA 01906-1276 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 041723-381 |
|---|---|
| Date | Aug 22, 2023 |
| Book Page | 41723/381 |
| Instrument | 20230822000240 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Sep 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAUGUS MA |
| Property Address | 76 CENTRAL ST, SAUGUS, MA 01906-1276 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 042478-277 |
|---|---|
| Date | Dec 11, 2024 |
| Book Page | 42478/277 |
| Instrument | 20241211000190 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 289 Months |
| Due | Jan 01, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAUGUS MA |
| Recording Date | Nov 16, 2018 |
| Property Address | 76 CENTRAL ST, SAUGUS, MA 01906-1276 |
| Document Number | 37159-208 |
| Book / Page | 037159 / 000208 |
| Instrument Date | Nov 14, 2018 |
| Instrument | 1116003980 |
| Transaction Type | Transfer |
| Record Updated | Dec 04, 2018 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,052.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 76 CENTRAL ST SAUGUS MA 019061276, SAUGUS, MA 01906-1276 |
| Document Number | 37159-210 |
|---|---|
| Date | Nov 16, 2018 |
| Book Page | 037159/000210 |
| Instrument | 1116003990 |
| Name | GUARANTEED RATE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 15, 2048 |
Source: Essex County and Saugus Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Saugus Town |
| Unified School District | Saugus School District (PK - 12) |
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 | $5,684.00 (+8.62%) | $532,200 (+8.3%) Land $297,000 Building $235,200 | $573,420 |
| 2024 | $5,233.00 (+1.61%) | $491,400 (+7.43%) Land $270,000 Building $221,400 | |
| 2023 | $5,150.00 | $457,400 Land $243,000 Building $214,400 |
Source: FEMA National Flood Hazard Layer, Essex County (25009C), updated July 10, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 58% of Massachusetts |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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