124 Elm St, Saco, ME 04072 Property Records

York County and Saco City property record for 124 Elm St, Saco, ME 04072

Property Summary

Property Type	Duplex
Details	7 bd · 2 ba · 2,830 sqft · built 1820
Lot Size	0.26 acres (11,326 sqft)
Owner	Company Name on Record
Last Sale	$1,694,500 (Apr 2021)
Tax Bill	$3,417 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`L0330R`

Property Details

APN / Parcel Number

Primary APN	`L0330R`
Alternative APNs	`SACO M:039 L:008 U:000-000` `M:039 L:008 U:000=000`

Interior

Bedrooms	7 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,830 sqft Living Area
Gross Area	5,694 sqft
1st Floor Area	1,632 sqft
Attic	Attic
Attic Area	648 sqft
Basement Area	1,198 sqft
Unfinished Basement	1,198 sqft

Exterior

Year Built	Built 1820
Effective Year Built	Effective 1820
Architectural Style	Colonial
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	L0330R
Street Address	124 ELM ST
City	SACO
State	ME
Zip	04072-2712
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	HDR
Legal Lot Number	8
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	3
Census Block	3004
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 October 19, 2026

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

Owner of Record	Company Name on Record
Mailing Address	415 CONGRESS ST, 204, PORTLAND, ME 04101-3500
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage KATHADIN TRUST CO
Jan 23, 2020	Deed of Trust, Mortgage FJH PROPERTIES LLC
Nov 21, 2017	Deed of Trust, Mortgage · Line of Credit KATAHDIN TR CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2021 · Amount on Record
Deed Sale	Apr 8, 2021 · Amount on Record
Deed Document Number	202120308
Deed Book / Page	18622 / 205
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SACO ME
Recording Date	Apr 8, 2021
Property Address	124 ELM ST, SACO, ME 04072-2712
Document Number	0186220205
Book / Page	18622 / 205
Instrument Date	Apr 7, 2021
Instrument	2021020308
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 CONGRESS ST STE 204, 204, PORTLAND, ME 04101-3500

Mortgage

Document Number	2021020309
Date	Apr 8, 2021
Instrument	2021020309

Lender

Name	KATHADIN TRUST CO
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	124 ELM ST, SACO, ME 04072-2712
Document Number	0181540858
Instrument Date	Jan 23, 2020
Transaction Type	Mortgage
Record Updated	Feb 6, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	124 ELM ST BIDDEFORD ME 040052035, BIDDEFORD, ME 04005-2035

Mortgage

Document Number	0181540858
Date	Jan 24, 2020
Book Page	018154/000858
Instrument	4115

Lender

Name	FJH PROPERTIES LLC
Address	35 CARROLL ST, FALMOUTH, ME 04105-1907

Agreement

Amount	Amount Recorded

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	124 ELM ST, SACO, ME 04072-2712
Document Number	0176120372
Instrument Date	Nov 21, 2017
Transaction Type	Mortgage
Record Updated	Apr 16, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	113 FOWLER RD CAPE ELIZABETH ME 041072406, CAPE ELIZABETH, ME 04107-2406

Mortgage

Document Number	0176120372
Date	Nov 27, 2017
Book Page	017612/000372
Instrument	50268

Lender

Name	KATAHDIN TR CO
Address	SCARBOROUGH, ME 04074

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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
2025	$3,417.00 (+0.71%)	$240,600 (-0.37%) Land $96,300 Building $144,300
2024	$3,393.00 (+6.33%)	$241,500 (+38.71%) Land $96,300 Building $145,200
2022	$3,191.00	$174,100 Land $73,400 Building $100,700

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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