123 Elm St, Saco, ME 04072 Property Records

York County and Saco City property record for 123 Elm St, Saco, ME 04072

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,389 sqft · built 1890
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Tax Bill	$4,790 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jul 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`H2670R`

Property Details

APN / Parcel Number

Primary APN	`H2670R`
Alternative APNs	`SACO M:039 L:005 U:000-000` `M:039 L:005 U:000=000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,389 sqft Living Area
Gross Area	5,102 sqft
1st Floor Area	1,339 sqft
Attic	Attic
Attic Area	1,036 sqft
Basement Area	1,339 sqft
Unfinished Basement	1,339 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	H2670R
Street Address	123 ELM ST
City	SACO
State	ME
Zip	04072-2711
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HDR
Legal Lot Number	5
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	3
Census Block	3005
Census Tract	5301

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Saco Historic District listed 1998 · 184 contributing resources · NRIS 98000594

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: York County and Saco City records, as of July 30, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	123 ELM ST, SACO, ME 04072-2711
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC REGIONAL FEDERAL CREDIT UNION
Jul 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC REGIONAL FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Recording Date	Jul 28, 2026
Property Address	123 ELM ST, SACO, ME 04072-2711
Document Number	0000026905
Book / Page	19957 / 779
Instrument Date	Jul 10, 2026
Instrument	202626905
Transaction Type	Mortgage
Record Updated	Aug 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 ELM ST, SACO, ME 04072-2711

Mortgage

Document Number	0000026905,
Date	Jul 28, 2026
Book Page	19957/779
Instrument	202626905

Lender

Name	ATLANTIC REGIONAL FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2041

Interest

Rate	5.84%
Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Recording Date	Jul 15, 2026
Property Address	123 ELM ST, SACO, ME 04072-2711
Document Number	0000024671
Book / Page	19947 / 503
Instrument Date	Jul 10, 2026
Instrument	202624671
Transaction Type	Mortgage
Record Updated	Aug 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 ELM ST, SACO, ME 04072-2711

Mortgage

Document Number	0000024671,
Date	Jul 15, 2026
Book Page	19947/503
Instrument	202624671

Lender

Name	ATLANTIC REGIONAL FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	169 Months
Due	Aug 1, 2040

Interest

Rate	6.52%
Max Rate	-1%

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	$4,790.00 (+0.84%)	$337,300 (-0.24%) Land $112,700 Building $224,600
2024	$4,750.00 (+4.65%)	$338,100 (+36.55%) Land $112,700 Building $225,400	$425,315
2022	$4,539.00	$247,600 Land $85,900 Building $161,700

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 98.5% of Maine
Wildfire Likelihood	Under 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 373 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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: GoNetspeed.

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