474 Central St, Saugus MA 01906
Saugus, MA 01906
$1,179,000
Est. $7,119/month
Estimate assumptions
20% down, a 30-year loan at 6.5%, and $200/month estimated insurance.
Includes the supplied property-tax and HOA inputs; missing inputs contribute $0. HOA fees with an unspecified frequency are treated as monthly. PMI and closing costs are excluded.
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Open House Schedule
03
Oct
Saturday, October 3
11:00 AM - 12:30 PM EDT
About this home
Welcome to 474 Central Street! This beautifully renovated two-family home offers the perfect combination of modern finishes, spacious living and exceptional versatility. Renovated approximately four years ago with condo-quality finishes throughout, each townhouse-style unit features three bedrooms, two full baths and thoughtfully designed living spaces.Both units showcase stunning open-concept kitchens with shaker cabinetry, quartz countertops, subway tile backsplashes, stainless steel appliances, wine refrigerators and designer lighting over spacious islands. Beautiful hardwood floors flow throughout, creating a warm and inviting atmosphere.Unit One offers a spacious kitchen, living and dining area, two bedrooms and a beautifully tiled full bath on the main level. The finished lower level provides additional living space, a third bedroom and another full bath.Unit Two features an open-concept kitchen, living and dining area, along with a primary bedroom highlighted by a cathedral ceiling. The upper level offers two additional bedrooms and a beautifully appointed full bath with a skylight.Additional improvements completed approximately four years ago include an architectural shingle roof, updated plumbing and electrical, foam insulation and two high-efficiency, two-zone gas HVAC systems with central air conditioning.Enjoy private decks overlooking a beautifully landscaped, expansive fenced backyard, perfect for outdoor entertaining and relaxation. A six-car driveway provides ample off-street parking.Conveniently located near Route 1, shopping, dining and major commuter routes, this exceptional property presents a wonderful opportunity for owner-occupants or investors. Move right in and enjoy the benefits of a beautifully updated two-family home
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Recently Sold Nearby
Property History
Market Insights
5.4%
Price Range
1
Previous Sales
Property Timeline
Listed for Sale
Sep 30, 2026
$1,179,000
Original listing
Agent: Louise Touchette Team
Office: Coldwell Banker Realty - Lynnfield
Previous Transaction - MLS #72973755
Full transaction history available when tracking began
Previously Sold
Jun 23, 2022
$1,115,000
MLS #72973755
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 09/30/2026 | 🏠 Listed for Sale | $1,179,000 | - | - | Original listing |
| 06/23/2022 | 🏷️ Previously Sold | $1,115,000 | - | - | MLS #72973755 |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $11,490 | $1,102,700 |
Financial Details
Annual Property Tax
$11,490
Tax Year 2026
Assessed Value
$1,102,700
Facts & Features
Home Facts
Type
Residential Income
Style
Multi Family
Year Built
1910
Living Area
2,827 sq ft
Lot Size
0.17 acres
Stories
4
Bedrooms
6
Full Baths
4
Total Rooms
11
Investment Metrics
Units
2
Unit 1 Rent
— · N
Unit 2 Rent
$3,500/mo · N
Total Monthly Rent
$3,500/mo
Gross Income
$42,000
Net Operating Income
$42,000
Cap Rate
3.56%
Interior
Heating
None
Cooling
None
Flooring
Hardwood
Appliances
Dishwasher, Refrigerator, Freezer, Washer, Dryer
Fireplace
None
Basement
Partial, Interior Entry
Laundry
None
Features
Living Room, Dining Room, Kitchen, Family Room, Living Rm/dining Rm Combo
Exterior
Construction
Frame
Architecture
None
Roof
None
Features
None
Pool
None
Spa
None
Fencing
None
Patio/Porch
Porch, Deck
Parking
Features
Paved Drive, Paved
Total Spaces
6
Utilities
Electric
220 Volts, Circuit Breakers, 200+ Amp Service
Water
Public
Sewer
Public Sewer
Gas
None
Other
None
Financial
Annual Tax
$11,490
Assessed Value
$1,102,700
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
None
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
House Color
Blue
Sq Ft Source
Public Record
Sq Ft Disclosures
Aproximate
Documents
None
County
Essex
Property Overview
Property Type
Multi Family
Listing Type
For Sale
Year Built
1910
Bedrooms
6
Full Bathrooms
4
Living Area
2,827 sq ft
Total Rooms
11
Stories
4
Levels
4
Floor Layout
Interactive room guide
Floor Layout
Finished Area
2,377 sq ft above grade
450 sq ft below grade
Display Options
Outdoor Areas
Patio & porchPorch, Deck
Room Markers
OOffice (1)
KKitchen (1)
BRBedroom (5)
BABathroom (4)
DDining (1)
LLiving (2)
Conceptual diagram based on MLS room data. It is not to scale and is not a substitute for architectural plans or on-site measurements.
Interior Features
Flooring:
Hardwood
Appliances:
Dishwasher, Refrigerator, Freezer, Washer, Dryer
Interior Features:
Living Room, Dining Room, Kitchen, Family Room, Living RM/Dining RM Combo
Windows:
Insulated Windows
Basement:
Partial, Interior Entry
Laundry:
Security:
Construction & Materials
Year Built:
1910
Structure Type:
Exterior Materials:
Frame
Roof:
Foundation:
Stone
Stories:
4
Heating, Cooling & Utilities
Heating:
Heating Zones:
2
Cooling:
Cooling Zones:
2
Hot Water:
Natural Gas
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Patio & Porch:
Porch, Deck
Fencing:
Other Structures:
Lot Features:
Road Surface:
Parking & Garage
Total Parking Spaces:
6
Parking Features:
Paved Drive, Paved
Nearby Schools
School District
Saugus School District local
B
School Safety
2024-25
4.9%
Above Average
4.5%
Suspensions
1.0%
In-School
0.4%
Emergency
0.6% below state avg
Elementary Schools
3 schools
Veterans Early Learning Center
0.2 mi
492 students
Diverse
Diverse Student Body
Grades PK-01
A-
Belmonte STEAM Academy
0.5 mi
|
#4 of 12
|
Score: 45.5
Improved 616 spots from last year
-12.8 below state avg
815 students
Diverse
Rising School
Diverse Student Body
Grades 02-05
A
Pioneer Charter School of Science II
1.0 mi
|
#39 of 346
|
Score: 68.9
Improved 13 spots from last year
+10.7 above state avg
684 students
Very Diverse
Strong AP Program
College Ready Curriculum
Diverse Student Body
Strong Attendance
Grades K-12
Middle Schools
3 schools
C+
Saugus Middle School
1.1 mi
|
#247 of 352
|
Score: 36.4
Improved 64 spots from last year
-21.8 below state avg
612 students
Diverse
Rising School
Diverse Student Body
Grades 06-08
C
Susan B. Anthony Middle School
2.4 mi
|
#258 of 352
|
Score: 35.7
Improved 8 spots from last year
-22.5 below state avg
537 students
Diverse
Grades 06-08
A-
Rumney Marsh Academy
2.7 mi
|
#5 of 16
|
Score: 37.8
Improved 307 spots from last year
-20.5 below state avg
538 students
Moderate
Rising School
Strong Attendance
Grades 06-08
High Schools
3 schools
C
Saugus High School
1.1 mi
|
#265 of 346
|
Score: 46.1
Improved 3 spots from last year
-12.1 below state avg
695 students
Diverse
17 sports
• 972 athletes
College Ready Curriculum
Strong Athletics
Diverse Student Body
Grades 09-12
C-
Classical High School
1.4 mi
|
#304 of 346
|
Score: 37.5
Improved 49 spots from last year
-20.8 below state avg
1,513 students
Moderate
Early College Program
Rising School
Career Tech Programs
Grades 09-12
Malden Catholic High School
2.7 mi
19 sports
• 2,126 athletes
Strong Athletics
Grades 09-12
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Loan Amount
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Total Interest
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Over life of loan
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Including down payment
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Down: $0
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Monthly Payment Breakdown
Principal & Interest
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Property Tax
$958
Homeowners Insurance
$200
PMI (if <20% down)
$0
Loan Summary
Total of 360 payments
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Rate Impact
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Payment Over Time
Year 1
95% Interest
Year 15
50/50
Year 30
95% Principal
* Estimates only. Actual payments may vary. Consult with a lender for accurate figures.
Location
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Neighborhood
474 Central St, Saugus MA 01906
Saugus, MA 01906
Listing Information
Listing Agent
Louise Touchette Team
Listing Office
Coldwell Banker Realty - Lynnfield
Office Phone
781-334-5700
Agent MLS ID
TM350730
Office MLS ID
AN6219
Listing Data Updated
Sep 30, 2026 6:36 PM EDT
Listing information is deemed reliable but not guaranteed. Data provided by MLS Property Information Network, Inc. All information should be independently verified.
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