York County and Saco City property record for 12 Virginia Ave, Saco, ME 04072
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 924 sqft · built 2003 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,637 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage Feb 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | B5327R |
| Primary APN | B5327R |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 924 sqft Living Area |
| Gross Area | 1,976 sqft |
| 1st Floor Area | 756 sqft |
| Basement Area | 924 sqft |
| Unfinished Basement | 924 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 17,424 sqft (0.4 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | B5327R |
|---|---|
| Street Address | 12 VIRGINIA AVE |
| City | SACO |
| State | ME |
| Zip | 04072-9312 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MDR |
| Legal Lot Number | 71 |
| Jurisdiction | SACO ME |
| Township / Civil Division | SACO |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 5100 |
12 Virginia Ave is owned and occupied by two individuals.
Source: York County and Saco City records, as of July 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12 VIRGINIA AVE, SACO, ME 04072-9312 |
| 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 |
|---|---|
| Mar 15, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) TD BANK NA |
| Feb 8, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACO ME |
| Property Address | 12 VIRGINIA AVE, SACO, ME 04072-9312 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0192080292 |
|---|---|
| Date | Mar 15, 2023 |
| Book Page | 19208/292 |
| Instrument | 2023006606 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACO ME |
| Property Address | 12 VIRGINIA AVE, SACO, ME 04072-9312 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0185500889 |
|---|---|
| Date | Feb 8, 2021 |
| Book Page | 18550/889 |
| Instrument | 2021007416 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 217 Months |
| Due | Mar 1, 2039 |
The 2025 property tax bill for 12 Virginia Ave was $3,637, up 7.4% 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 | $3,637.00 (+7.38%) | $256,100 (+6.22%) Land $101,600 Building $154,500 | |
| 2024 | $3,387.00 | $241,100 Land $101,600 Building $139,500 | $313,215 |
| 2022 | $3,204.00 | $174,800 Land $77,500 Building $97,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Virginia Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2008.
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 | 1 in force |
| Nearby Flood Claims | 2 (2008–2010) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Feb 2010 · Severe Winter Storm |
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 12 Virginia Ave is low, with 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 80% of the US · above 53% of Maine |
|---|---|
| Wildfire Likelihood | 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.
Source: FCC Broadband Data Collection, based on 93 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
4G LTE (outdoors only), no 5G reported
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