112 Elm St, Saco, ME 04072 Property Records

York County and Saco City property record for 112 Elm St, Saco, ME 04072

Property Summary

Property Type	Duplex
Details	6 bd · 2.5 ba · 2,389 sqft · built 1867
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$674,000 (May 2025)
Tax Bill	$4,743 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`W0125R`

Property Details

APN / Parcel Number

Primary APN	`W0125R`
Alternative APNs	`SACO M:039 L:023 U:000-000` `M:039 L:023 U:000=000`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,389 sqft Living Area
Gross Area	4,568 sqft
1st Floor Area	1,144 sqft
Attic	Attic
Attic Area	744 sqft
Basement Area	1,096 sqft
Unfinished Basement	1,096 sqft

Exterior

Year Built	Built 1867
Effective Year Built	Effective 1867
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,227 sqft (0.12 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	W0125R
Street Address	112 ELM ST
City	SACO
State	ME
Zip	04072-2712
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	HDR
Legal Lot Number	23
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	3
Census Block	3004
Census Tract	5301

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Saco Historic District listed 1998 · 184 contributing resources · NRIS 98000594

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: York County and Saco City records, as of October 19, 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	11 WILLOW AVE, F, SACO, ME 04072-2932
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2021	Deed of Trust, Mortgage · FHA Mortgage AMERIHOME MORTGAGE COMPANY LLC
Mar 31, 2020	Deed of Trust, Mortgage · FHA Mortgage AMERIHOME MORTGAGE COMPANY LLC
May 25, 2021	Warranty Deed, Transfer · FHA Mortgage NORTHPOINT MORTGAGE INC
May 3, 2019	Warranty Deed, Transfer · FHA Mortgage RESIDENTIAL MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2025 · Amount on Record
Deed Sale	May 30, 2025 · Amount on Record
Prior Sale	May 25, 2021 · Amount on Record
Deed Document Number	20252025017060
Deed Book / Page	19669 / 257
Prior Transfer Date	Mar 6, 2023
Prior Transfer Doc	0192070321
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	112 ELM ST, SACO, ME 04072-2712
Transaction Type	Mortgage
Record Updated	Nov 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0185570820
Date	Feb 12, 2021
Book Page	18557/820
Instrument	2021008705

Lender

Name	AMERIHOME MORTGAGE COMPANY LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	112 ELM ST, SACO, ME 04072-2712
Transaction Type	Mortgage
Record Updated	Nov 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0182080184
Date	Mar 31, 2020
Book Page	18208/184
Instrument	2020014482

Lender

Name	AMERIHOME MORTGAGE COMPANY LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SACO ME
Recording Date	May 25, 2021
Property Address	112 ELM ST, SACO, ME 04072-2712
Document Number	0186770230
Book / Page	18677 / 230
Instrument Date	May 24, 2021
Instrument	2021030028
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	31 PINELOCH DR, PORTLAND, ME 04103-2909

Mortgage

Document Number	2021030029
Date	May 25, 2021
Instrument	2021030029

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SACO ME
Recording Date	May 3, 2019
Property Address	112 ELM ST, SACO, ME 04072-2712
Document Number	0179420910
Book / Page	17942 / 910
Instrument Date	May 3, 2019
Instrument	2019015748
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 ABBY LN, PORTLAND, ME 04103-2270

Mortgage

Document Number	2019015749
Date	May 3, 2019
Instrument	2019015749

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: York County and Saco City assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	York County
Municipality	Saco City
Unified School District	Saco Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,743.00 (-1.17%)	$334,000 (-2.22%) Land $92,500 Building $241,500
2024	$4,799.00 (+7.38%)	$341,600 (+40.11%) Land $92,500 Building $249,100
2022	$4,469.00	$243,800 Land $70,500 Building $173,300

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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	3 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 373 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GoNetspeed.

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