120 Beach St, Saco, ME 04072 Property Records

York County and Saco City property record for 120 Beach St, Saco, ME 04072

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,024 sqft · built 1927
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$368,100 (Jan 2018)
Tax Bill	$6,712 (2025)
Deeds & Mortgages	Jul 2020 Refinance Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`D2765R`

Property Details

APN / Parcel Number

Primary APN	`D2765R`
Alternative APNs	`SACO M:032 L:195 U:000-000` `M:032 L:195 U:000=000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,024 sqft Living Area
Gross Area	4,484 sqft
1st Floor Area	1,268 sqft
Basement Area	1,220 sqft
Unfinished Basement	1,220 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	D2765R
Street Address	120 BEACH ST
City	SACO
State	ME
Zip	04072-2888
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HDR
Legal Subdivision	CHARLES G SCAMMON
Legal Lot Number	195
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	2
Census Block	2015
Census Tract	5200

Owner

120 Beach St is owned and occupied by two individuals who bought it in January 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	120 BEACH ST, SACO, ME 04072-2888
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
Jul 31, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK OF RHODE ISLAND
Jan 9, 2018	Warranty Deed, Transfer FRANKLIN AMER MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2018 · Amount on File
Deed Sale	Jan 9, 2018 · Amount on File
Deed Document Number	20181131
Deed Book / Page	17640 / 227
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	120 BEACH ST, SACO, ME 04072-2888
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0183250201
Date	Jul 31, 2020
Book Page	18325/201
Instrument	2020035208

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SACO ME
Recording Date	Jan 9, 2018
Property Address	120 BEACH ST, SACO, ME 04072-2888
Document Number	0176400227
Book / Page	17640 / 0227
Instrument	2018001131
Transaction Type	Transfer
Record Updated	Jul 25, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018001132
Date	Jan 9, 2018
Instrument	2018001132

Lender

Name	FRANKLIN AMER MTG

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 9, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 120 Beach St was $6,712, up 1.8% 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	$6,712.00 (+1.76%)	$472,700 (+0.68%) Land $119,300 Building $353,400
2024	$6,596.00	$469,500 Land $119,300 Building $350,200	$522,500
2022	$6,207.00	$338,600 Land $90,900 Building $247,700

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

Flood

FEMA maps place 120 Beach St 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 7 (15% premium discount)
Nearby Flood Policies	1 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 120 Beach St 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 93% of the US · lower than 93% of Maine
Wildfire Likelihood	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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