13 Cross St, Saco, ME 04072 Property Records

York County and Saco City property record for 13 Cross St, Saco, ME 04072

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,652 sqft · built 1825
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Last Sale	$281,300 (Dec 2010)
Tax Bill	$6,705 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`N0900R`

Property Details

APN / Parcel Number

Primary APN	`N0900R`
Alternative APNs	`SACO M:038 L:123 U:000-000` `M:038 L:123 U:000=000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,652 sqft Living Area
Gross Area	7,186 sqft
1st Floor Area	1,736 sqft
Attic	Attic
Attic Area	900 sqft
Basement Area	1,736 sqft
Unfinished Basement	1,736 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1825
Effective Year Built	Effective 1825
Architectural Style	Colonial
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,682 sqft (0.36 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	N0900R
Street Address	13 CROSS ST
City	SACO
State	ME
Zip	04072-2701
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HDR
Legal Lot Number	123
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	3
Census Block	3005
Census Tract	5301

Owner

Source: York County and Saco City records · APN N0900R

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	2 Individual Names on File
Mailing Address	13 CROSS ST, SACO, ME 04072-2701
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 30, 2010 · Amount on Record
Deed Sale	Dec 30, 2010 · Amount on Record
Deed Book / Page	16019 / 732
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	13 CROSS ST, SACO, ME 04072-2701
Transaction Type	Mortgage
Record Updated	Nov 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0188520697
Date	Oct 29, 2021
Book Page	18852/697
Instrument	2021063454

Lender

Name	CAMDEN NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2051

Interest

Rate Type	Adjustable Rate

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	$6,705.00 (+3.27%)	$472,200 (+2.19%) Land $117,100 Building $355,100
2024	$6,493.00 (+6.76%)	$462,100 (+39.27%) Land $117,100 Building $345,000	$581,970
2022	$6,082.00	$331,800 Land $89,100 Building $242,700

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 96% of Maine
Wildfire Likelihood	Under 0.01% annual chance
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.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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.

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 · 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.

Based on FCC filings for 373 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MAINE WATER COMPANY BIDDEFORD SACO DIV private · serves 42,508 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.