122 Lincoln St, Saco, ME 04072 Property Records

York County and Saco City property record for 122 Lincoln St, Saco, ME 04072

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,397 sqft · built 1925
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$194,000 (Jul 2015)
Tax Bill	$4,051 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jun 2025 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`D3194R`

Property Details

APN / Parcel Number

Primary APN	`D3194R`
Alternative APNs	`SACO M:052 L:141 U:000-000` `M:052 L:141 U:000=000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,397 sqft Living Area
Gross Area	3,246 sqft
1st Floor Area	992 sqft
Basement Area	810 sqft
Unfinished Basement	810 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	D3194R
Street Address	122 LINCOLN ST
City	SACO
State	ME
Zip	04072-3251
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HDR
Legal Lot Number	141
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	1
Census Block	1010
Census Tract	5301

Owner

122 Lincoln St is owned and occupied by an individual who bought it in July 2015.

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

Owner of Record	Individual Name on File
Mailing Address	122 LINCOLN ST, SACO, ME 04072-3251
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
Feb 26, 2026	Deed of Trust, Mortgage OXFORD FCU
Jun 30, 2025	Deed of Trust, Mortgage · Conventional Mortgage OXFORD FEDERAL CREDIT UNION
Jan 12, 2021	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2015 · Amount on File
Deed Sale	Jul 24, 2015 · Amount on File
Prior Sale	Jul 19, 2005 · Amount on File
Deed Document Number	201529037
Deed Book / Page	17062 / 857
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	122 LINCOLN ST, SACO, ME 04072-3251
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0198500828
Date	Feb 26, 2026
Book Page	19850/828
Instrument	2026006411

Lender

Name	OXFORD FCU

Agreement

Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2041

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	122 LINCOLN ST, SACO, ME 04072-3251
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0196870789
Date	Jun 30, 2025
Book Page	19687/789
Instrument	2025020689

Lender

Name	OXFORD FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2040

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	122 LINCOLN ST, SACO, ME 04072-3251
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0185190568
Date	Jan 12, 2021
Book Page	18519/568
Instrument	2021001861

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 122 Lincoln St was $4,051, up 1.2% 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	$4,051.00 (+1.17%)	$285,300 (+0.11%) Land $86,700 Building $198,600
2024	$4,004.00	$285,000 Land $86,700 Building $198,300	$384,180
2022	$3,756.00	$204,900 Land $66,100 Building $138,800

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

Flood

FEMA maps place 122 Lincoln St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 18 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	18 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 122 Lincoln St 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 95% of the US · lower than 97.3% 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 368 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Premium Choice Broadband.

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