12 Emerson Ave, Saco, ME 04072 Property Records

York County and Saco City property record for 12 Emerson Ave, Saco, ME 04072

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,263 sqft · built 1942
Lot Size	0.93 acres (40,511 sqft)
Owner	Individual Name on File
Last Sale	$321,600 (Jan 2021)
Tax Bill	$4,879 (2025)
Deeds & Mortgages	Apr 2023 Refinance Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M3035R`

Property Details

APN / Parcel Number

Primary APN	`M3035R`
Alternative APN	`SACO M:026 L:061 U:000-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,263 sqft Living Area
Gross Area	2,945 sqft
1st Floor Area	930 sqft
Attic	Attic
Attic Area	832 sqft
Basement Area	832 sqft
Finished Basement	832 sqft
Unfinished Basement	832 sqft

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,511 sqft (0.93 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	M3035R
Street Address	12 EMERSON AVE
City	SACO
State	ME
Zip	04072-2941
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Lot Number	61
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	3
Census Block	3013
Census Tract	5200

Owner

12 Emerson Ave is owned and occupied by an individual who bought it in January 2021.

Source: York County and Saco City records, as of May 22, 2026

Owner of Record	Individual Name on File
Mailing Address	12 EMERSON AVE, SACO, ME 04072-2941
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance NORWAY SAVINGS BANK
Jan 6, 2021	Warranty Deed, Transfer · FHA Mortgage NORCOM MORTGAGE
Oct 24, 2019	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING
Feb 7, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2021 · Amount on File
Deed Sale	Jan 6, 2021 · Amount on File
Prior Sale	Oct 31, 2019 · Amount on File
Deed Document Number	20212021000700
Deed Book / Page	18513 / 736
Prior Transfer Date	Oct 29, 2019
Prior Transfer Doc	0180850499
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	12 EMERSON AVE, SACO, ME 04072-2941
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0192190929
Date	Apr 7, 2023
Book Page	19219/929
Instrument	2023009181

Lender

Name	NORWAY SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SACO ME
Recording Date	Jan 6, 2021
Property Address	12 EMERSON AVE, SACO, ME 04072-2941
Document Number	0185130736
Book / Page	18513 / 736
Instrument Date	Jan 4, 2021
Instrument	2021000700
Transaction Type	Transfer
Record Updated	Mar 27, 2026

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	26 CEDAR AVE, OLD ORCHARD BEACH, ME 04064-2528

Mortgage

Document Number	2021000701
Date	Jan 6, 2021
Instrument	2021000701

Lender

Name	NORCOM MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	12 EMERSON AVE, SACO, ME 04072-2941
Document Number	0180850501
Instrument Date	Oct 24, 2019
Transaction Type	Mortgage
Record Updated	Nov 13, 2019
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12 EMERSON AVE SACO ME 040722941, SACO, ME 04072-2941

Mortgage

Document Number	0180850501
Date	Oct 31, 2019
Book Page	018085/000501
Instrument	46522

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 30, 2049

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACO ME
Recording Date	Feb 7, 2018
Property Address	12 EMERSON AVE, SACO, ME 04072-2941
Document Number	0176570340
Book / Page	017657 / 000340
Instrument Date	Dec 27, 2017
Instrument	4989
Transaction Type	Transfer
Record Updated	Feb 16, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 EMERSON AVE SACO ME 040722941, SACO, ME 04072-2941

Tax Assessment & Valuation

The 2025 property tax bill for 12 Emerson Ave was $4,879, up 2.6% from the year before.

Source: York County and Saco City assessment roll, as of May 22, 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	Assessed Market Value
2025	$4,879.00 (+2.61%)	$343,600 (+1.54%) Land $134,900 Building $208,700
2024	$4,755.00	$338,400 Land $134,900 Building $203,500	$403,940
2022	$4,551.00	$248,300 Land $102,500 Building $145,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12 Emerson 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

Wildfire risk around 12 Emerson 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 99.1% of the US · lower than 99.7% 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 218 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	1,000 / 1,000

May also be available: Verizon.

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