13 Bay Ave, Saco, ME 04072 Property Records

York County and Saco City property record for 13 Bay Ave, Saco, ME 04072 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,332 sqft · built 1971
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on File
Last Sale	$690,000 (Jul 2024)
Tax Bill	$7,485 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone VE (high risk)
APN	`S2878R`

Property Details

APN / Parcel Number

Primary APN	`S2878R`
Alternative APNs	`SACO M:001 L:006 U:001-000` `M:001 L:006 U:001=000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,332 sqft Living Area
Gross Area	1,934 sqft
1st Floor Area	702 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,792 sqft (0.11 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	S2878R
Street Address	13 BAY AVE
City	SACO
State	ME
Zip	04072-3002
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	6
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	1
Census Block	1019
Census Tract	5400

Owner

Source: York County and Saco City records · APN S2878R

Assessment roll updated July 30, 2026 · Last verified August 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	188 HARDING BRIDGE RD, GORHAM, ME 04038-2562
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage GUILD MORTGAGE CO
Dec 14, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MEGASTAR FINANCIAL CORP
Oct 08, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage MEGASTAR FINANCIAL CORP
Aug 01, 2018	Warranty Deed, Transfer LENDUSA LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 11, 2024 · Amount on Record
Deed Sale	Jul 11, 2024 · Amount on Record
Prior Sale	Aug 29, 2022 · Amount on Record
Deed Document Number	202420493
Deed Book / Page	19468 / 203
Transfer Doc	0172410320
Record Updated	Sep 20, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SACO ME
Recording Date	Aug 29, 2022
Property Address	13 BAY AVE, SACO, ME 04072-3002
Document Number	0191010451
Book / Page	19101 / 451
Instrument Date	Aug 29, 2022
Instrument	2022037238
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 LEIGHTON AVE, PORTLAND, ME 04103-1022

Mortgage

Document Number	2022037239
Date	Aug 29, 2022
Instrument	2022037239

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACO ME
Recording Date	Dec 14, 2020
Property Address	13 BAY AVE, SACO, ME 04072-3002
Document Number	0184870039
Book / Page	18487 / 39
Instrument Date	Dec 09, 2020
Instrument	2020064502
Transaction Type	Transfer
Record Updated	Feb 03, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Venture
Address	29 FENWOOD LN, PALM COAST, FL 32137-9161

Mortgage

Document Number	2020064503
Date	Dec 14, 2020
Instrument	2020064503

Lender

Name	MEGASTAR FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SACO ME
Recording Date	Oct 08, 2019
Property Address	13 BAY AVE, SACO, ME 04072-3002
Document Number	0180650683
Book / Page	18065 / 683
Instrument Date	Aug 27, 2019
Instrument	2019042785
Transaction Type	Transfer
Record Updated	Feb 03, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 FENWOOD LN, PALM COAST, FL 32137-9161

Mortgage

Document Number	2019042786
Date	Oct 08, 2019
Instrument	2019042786

Lender

Name	MEGASTAR FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLD ORCHARD BEACH ME
Recording Date	Aug 01, 2018
Property Address	13 BAY AVE, SACO, ME 04072-3002
Document Number	0177680214
Book / Page	17768 / 0214
Instrument	2018030463
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	2018030464
Date	Aug 01, 2018
Instrument	2018030464

Lender

Name	LENDUSA LLC

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2048

Tax Assessment & Valuation

Source: York County and Saco City records · Assessment roll updated July 30, 2026 · Last verified August 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	$7,485.00 (+3.14%)	$527,100 (+2.05%) Land $323,000 Building $204,100
2024	$7,257.00 (+4.73%)	$516,500 (+36.64%) Land $323,000 Building $193,500	$680,485
2022	$6,929.00	$378,000 Land $246,300 Building $131,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, York County (23031C), updated April 16, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 230310054001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone VE coastal, wave action
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	14.0 ft
Coastal	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 135 individual NFIP policies nearby
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	138 units insured 3 under condo master policies
Nearby Flood Claims	216 (1978–2024)
Claims Outside the SFHA	42 of 216
Most Recent Claim	Apr 2024, tidal / storm surge, Severe Winter Storm
Claims By Storm	Severe Storms And Flooding, Jan 2024 · 38 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 34 claims Coastal Storm, Oct 1991 · 37 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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, availability as of December 31, 2025 · Published October 2026 · based on 89 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Consolidated Communications	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 1,000

May also be available at this address: T-Mobile USA, GoNetspeed. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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