York County and Saco City property record for 11 Cumberland Ave, Saco, ME 04072
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,399 sqft · built 2005 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $195,000 (May 2012) |
| Tax Bill | $5,436 (2025) |
| Deeds & Mortgages | Jul 2019 Refinance Aug 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | L0992R |
| Primary APN | L0992R |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,399 sqft Living Area |
| Gross Area | 2,493 sqft |
| 1st Floor Area | 919 sqft |
| Basement Area | 910 sqft |
| Unfinished Basement | 910 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | L0992R |
|---|---|
| Street Address | 11 CUMBERLAND AVE |
| City | SACO |
| State | ME |
| Zip | 04072-2026 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MDR |
| Legal Lot Number | 33 |
| Jurisdiction | SACO ME |
| Township / Civil Division | SACO |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 5200 |
11 Cumberland Ave is owned and occupied by two individuals who bought it in May 2012.
Source: York County and Saco City records, as of July 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11 CUMBERLAND AVE, SACO, ME 04072-2026 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 24, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance ACADEMY MORTGAGE CORP |
| Aug 27, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ACADEMY MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 30, 2012 · Amount on File |
| Deed Sale | May 30, 2012 · Amount on File |
| Deed Document Number | 201222654 |
| Deed Book / Page | 16333 / 378 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACO ME |
| Property Address | 11 CUMBERLAND AVE, SACO, ME 04072-2026 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0180020514 |
|---|---|
| Date | Jul 24, 2019 |
| Book Page | 18002/514 |
| Instrument | 2019028986 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACO ME |
| Property Address | 11 CUMBERLAND AVE, SACO, ME 04072-2026 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0187830404 |
|---|---|
| Date | Aug 27, 2021 |
| Book Page | 18783/404 |
| Instrument | 2021050525 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
The 2025 property tax bill for 11 Cumberland Ave was $5,436, up 1.7% from the year before.
Source: York County and Saco City assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | York County |
| Municipality | Saco City |
| Unified School District | Saco Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,436.00 (+1.74%) | $382,800 (+0.66%) Land $118,800 Building $264,000 | |
| 2024 | $5,343.00 | $380,300 Land $118,800 Building $261,500 | $423,225 |
| 2022 | $4,986.00 | $272,000 Land $90,600 Building $181,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11 Cumberland Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective April 16, 2025 · 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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 2 in force |
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 risk around 11 Cumberland Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 97.9% of Maine |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MAINE WATER COMPANY BIDDEFORD SACO DIV private · serves 42,508 people · EPA ID ME0090170 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | Turbidity resolved · Aug 2021 |
|---|---|
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 141 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Fidium Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
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