120 Watson Mill Rd, Saco, ME 04072 Property Records

York County and Saco City property record for 120 Watson Mill Rd, Saco, ME 04072

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,920 sqft · built 2021
Lot Size	1.83 acres (79,715 sqft)
Owner	Individual Name on File
Last Sale	$624,000 (Dec 2021)
Tax Bill	$6,532 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`H1720T`

Property Details

APN / Parcel Number

Primary APN	`H1720T`
Alternative APN	`SACO M:118 L:009 U:004-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,920 sqft Living Area
Gross Area	3,665 sqft
Basement Area	696 sqft
Unfinished Basement	696 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	79,715 sqft (1.83 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	H1720T
Street Address	120 WATSON MILL RD
City	SACO
State	ME
Zip	04072-9351
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Lot Number	9
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	1
Census Block	1003
Census Tract	5100

Owner

Source: York County and Saco City records · APN H1720T

Assessment roll updated May 22, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	120 WATSON MILL RD, SACO, ME 04072-9351
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 05, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Dec 09, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 09, 2021 · Amount on Record
Deed Sale	Dec 09, 2021 · Amount on Record
Deed Document Number	202171022
Deed Book / Page	18894 / 437
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	120 WATSON MILL RD, SACO, ME 04072-9351
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0198000130
Date	Dec 05, 2025
Book Page	19800/130
Instrument	2025044173

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jan 01, 2036

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SACO ME
Recording Date	Dec 09, 2021
Property Address	120 WATSON MILL RD, SACO, ME 04072-9351
Document Number	0188940437
Book / Page	18894 / 437
Instrument Date	Dec 08, 2021
Instrument	2021071022
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 Venture
Address	3 WATSON MILL RD, SACO, ME 04072-9347

Mortgage

Document Number	2021071023
Date	Dec 09, 2021
Instrument	2021071023

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: York County and Saco City records · Assessment roll updated May 22, 2026 · Last verified June 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,532.00 (-0.47%)	$460,000 (-1.52%) Land $133,300 Building $326,700
2024	$6,563.00 (+9.17%)	$467,100 (+42.41%) Land $133,300 Building $333,800	$555,560
2022	$6,012.00	$328,000 Land $101,400 Building $226,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 16, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 53% of Maine
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Consolidated Communications Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35

Based on FCC filings for 52 locations within half a mile of this property.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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