York County and Biddeford City property record for 14 Cottage St, Biddeford, ME 04005
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 2,013 sqft · built 1880 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $206,200 (Mar 2022) |
| Tax Bill | $4,664 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Mar 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | BIDD M:35 L:163 |
| Primary APN | BIDD M:35 L:163 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,013 sqft Living Area |
| Gross Area | 3,353 sqft |
| 1st Floor Area | 1,289 sqft |
| Basement Area | 897 sqft |
| Unfinished Basement | 897 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 351630000 |
|---|---|
| Street Address | 14 COTTAGE ST |
| City | BIDDEFORD |
| State | ME |
| Zip | 04005-3403 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R2 |
| Legal Lot Number | 163 |
| Jurisdiction | BIDDEFORD ME |
| Township / Civil Division | BIDDEFORD |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 25205 |
14 Cottage St, a duplex, is owned and occupied by two individuals who bought it in March 2022.
Source: York County and Biddeford City records, as of August 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 14 COTTAGE ST, BIDDEFORD, ME 04005-3403 |
| 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.
| Date | Document |
|---|---|
| Jul 23, 2026 | Deed of Trust, Mortgage AMERISAVE MORTGAGE CORPORATION |
| Mar 1, 2022 | Quit Claim Deed, Transfer · FHA Mortgage AMERISAVE MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 2022 · Amount on File |
| Deed Sale | Mar 1, 2022 · Amount on File |
| Deed Document Number | 20229710 |
| Deed Book / Page | 18966 / 214 |
| Prior Transfer Date | Feb 8, 2022 |
| Prior Transfer Doc | 0189660214 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BIDDEFORD ME |
| Recording Date | Jul 23, 2026 |
| Property Address | 14 COTTAGE ST, BIDDEFORD, ME 04005-3403 |
| Document Number | 0000025930 |
| Book / Page | 19953 / 840 |
| Instrument Date | Jul 14, 2026 |
| Instrument | 202625930 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 14 COTTAGE ST, BIDDEFORD, ME 04005-3403 |
| Document Number | 0000025930, |
|---|---|
| Date | Jul 23, 2026 |
| Book Page | 19953/840 |
| Instrument | 202625930 |
| Name | AMERISAVE MORTGAGE CORPORATION |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Aug 1, 2046 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BIDDEFORD ME |
| Recording Date | Mar 1, 2022 |
| Property Address | 14 COTTAGE ST, BIDDEFORD, ME 04005-3403 |
| Document Number | 0189660214 |
| Book / Page | 18966 / 214 |
| Instrument Date | Feb 8, 2022 |
| Instrument | 2022009710 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 14 COTTAGE ST, BIDDEFORD, ME 04005-3403 |
| Document Number | 2022009711 |
|---|---|
| Date | Mar 1, 2022 |
| Instrument | 2022009711 |
| Name | AMERISAVE MORTGAGE CORP |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 14 Cottage St was $4,664, up 6.2% from the year before.
Source: York County and Biddeford City assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | York County |
| Municipality | Biddeford City |
| Unified School District | Biddeford (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $4,664.00 (+6.17%) | $312,200 (+1.07%) Land $138,100 Building $174,100 |
| 2024 | $4,393.00 (+10.21%) | $308,900 (+1.68%) Land $138,100 Building $170,800 |
| 2023 | $3,986.00 (+18.95%) | $303,800 (+48.78%) Land $135,600 Building $168,200 |
| 2022 | $3,351.00 | $204,200 Land $77,900 Building $126,300 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 14 Cottage St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective April 16, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 14 Cottage St is low, with 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 80% of the US · above 53% of Maine |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 288 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Fidium Fiber Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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