12 Timber Oaks, Saco, ME 04072 Property Records

York County and Saco City property record for 12 Timber Oaks, Saco, ME 04072

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,924 sqft · built 1994
Lot Size	0.802 acres (34,939 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,951 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jun 2024 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`H0720R`

Property Details

APN / Parcel Number

Primary APN	`H0720R`
Alternative APNs	`SACO M:027 L:107 U:000-000` `M:027 L:107 U:000=000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,924 sqft Living Area
Gross Area	6,086 sqft
1st Floor Area	1,330 sqft
Basement Area	1,300 sqft
Unfinished Basement	1,300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	34,939 sqft (0.802 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Oil

Location & Zoning

Account Number	H0720R
Street Address	12 TIMBER OAKS
City	SACO
State	ME
Zip	04072-2128
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Lot Number	107
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	2
Census Block	2003
Census Tract	5400

Owner

Source: York County and Saco City records, as of July 30, 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	12 TIMBER OAKS, SACO, ME 04072-2128
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2026	Deed of Trust, Mortgage SACO AND BIDDEFORD SAVINGS INST
Jun 3, 2024	Deed of Trust, Mortgage · Line of Credit SACO & BIDDEFORD SAVINGS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Recording Date	Aug 7, 2026
Property Address	12 TIMBER OAKS, SACO, ME 04072-2128
Document Number	0000029331
Book / Page	19968 / 1
Instrument Date	Aug 3, 2026
Instrument	202629331
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 TIMBER OAKS, SACO, ME 04072-2128

Mortgage

Document Number	0000029331,
Date	Aug 7, 2026
Book Page	19968/1
Instrument	202629331

Lender

Name	SACO AND BIDDEFORD SAVINGS INST

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2046

Interest

Max Rate	-1%

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	12 TIMBER OAKS, SACO, ME 04072-2128
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0194440717
Date	Jun 3, 2024
Book Page	19444/717
Instrument	2024015731

Lender

Name	SACO & BIDDEFORD SAVINGS
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2044

Interest

Rate Type	Adjustable Rate

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	Assessed Market Value
2025	$7,951.00 (+1.73%)	$559,900 (+0.65%) Land $132,400 Building $427,500
2024	$7,816.00 (+7.22%)	$556,300 (+39.88%) Land $132,400 Building $423,900	$659,585
2022	$7,290.00	$397,700 Land $100,600 Building $297,100

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

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
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	11 (1978–2024)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Jan 2024 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jan 2024 · 4 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 3 claims

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 93% of the US · lower than 93% of Maine
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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