NE Provenance

320 Central St

Saugus, MA 01906

Commercial
Owner
Eas...
Owner Type
Financial
Tenure
19 yrs
Assessed
$1,365,900
Built
1984
Sq Ft
9,062
Lot
0.35 ac
Bed/Bath
—/10
Type
Commercial
Elevated Risks16ConditionC2Fire GradeAPermits2Last PermitDec 2025FloodXSurgeCat 3

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320 Central St, Saugus, MA 01906— Property Report

Building& Property Details

320 Central St is a Bank / Financial commercial built in 1984 located in Saugus, Essex County, MA. The building has 9,062 square feet of building area on a 0.35-acre lot. The building has 10 bathrooms across 2 stories.

Flood Zone & Natural Hazard Assessment

320 Central St is in FEMA flood zone X. Zone X is outside the Special Flood Hazard Area, meaning the property has minimal flood risk according to FEMA mapping. The property falls within a Category 3 hurricane storm surge inundation zone based on NOAA SLOSH modeling. The FEMA National Risk Index composite rating for this area is Relatively Moderate. The ASCE 7-22 design wind speed for this location is 123 mph. The ground snow load is 40 psf. The EPA radon zone is 1 (highest potential).

Fire Protection

NE Provenance rates the fire protection for 320 Central St at Grade A (Excellent fire protection access). The nearest fire station, SAUGUS FIRE DEPARTMENT, is 0.2 miles away. This grade reflects fire station proximity, department capabilities, hydrant coverage, and municipal water infrastructure. Properties with Grade A or B typically receive favorable insurance rates due to strong fire protection infrastructure.

Building Permits & Property History

Municipal records show 2 building permits on file for 320 Central St. The most recent permit was filed December 9, 2025. In the past five years, 2 permits have been issued. The current municipal assessment is $1,365,900, with $399,700 attributed to land and $966,200 to improvements. The property last sold on March 30, 2007 for $1.

SaugusNeighborhood & Community

320 Central St is located in Saugus, Essex County, MA. The property is zoned R-3 (General And Two Family Residential). The median home value in this census tract is $590,800. Median household income is $100,646. The owner-occupancy rate in the surrounding area is 78%. The property is served by the Saugus school district.

Full Property Intelligence Report

The complete NE Provenance report for 320 Central St, Saugus, MA includes over 430 data attributes sourced from 140+ public and proprietary datasets. The full report covers building construction and materials, NEP Condition Estimate derived from permit history, system ages for roof, electrical, plumbing, and HVAC, complete ownership and deed chain with transaction classification, FEMA flood and coastal hazard analysis, environmental contamination screening, and neighborhood demographics. Available as a professional property wallet, PDF report, or structured data export.