144 Surf St, Saco, ME 04072 Property Records

York County and Saco City property record for 144 Surf St, Saco, ME 04072

Property Summary

Property Type	Single Family Home
Details	7 bd · 3 ba · 2,370 sqft · built 1954
Lot Size	0.379 acres (16,508 sqft)
Owner	2 Trust Names on File
Last Sale	$646,900 (Sep 2018)
Tax Bill	$12,378 (2025)
Deeds & Mortgages	Mar 2021 Refinance Jan 2019 Transfer + 1 more
Flood Zone	Zone VE (high risk)
APN	`W1065R`

Property Details

APN / Parcel Number

Primary APN	`W1065R`
Alternative APNs	`SACO M:005 L:018 U:001-000` `M:005 L:018 U:001=000`

Interior

Bedrooms	7 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,370 sqft Living Area
Gross Area	3,608 sqft
1st Floor Area	1,350 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Triplex
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Flat
Roof Material	Asphalt
Lot Area	16,508 sqft (0.379 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	W1065R
Street Address	144 SURF ST
City	SACO
State	ME
Zip	04072-2359
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Lot Number	18
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	1
Census Block	1008
Census Tract	5400

Owner

144 Surf St is held in a trust since January 2019.

Source: York County and Saco City records, as of May 22, 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	2 Trust Names on File
Mailing Address	23 DEARBORN ST, MILFORD, NH 03055-4021
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance TD BANK NA
Jan 17, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 11, 2018	Warranty Deed, Transfer BANGOR SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2018 · Amount on File
Deed Sale	Sep 11, 2018 · Amount on File
Deed Document Number	201838348
Deed Book / Page	17798 / 660
Last Transfer Date	Jan 3, 2019
Transfer Doc	0178800665
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	144 SURF ST, SACO, ME 04072-2359
Transaction Type	Mortgage
Record Updated	Nov 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0185950219
Date	Mar 19, 2021
Book Page	18595/219
Instrument	2021015629

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACO ME
Recording Date	Jan 17, 2019
Property Address	144 SURF ST, SACO, ME 04072-2359
Document Number	0178800655
Book / Page	017880 / 000655
Instrument Date	Jan 3, 2019
Instrument	1918
Transaction Type	Transfer
Record Updated	Feb 7, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	144 SURF ST SACO ME 040722359, SACO, ME 04072-2359

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SACO ME
Recording Date	Sep 11, 2018
Property Address	144 SURF ST, SACO, ME 04072-2359
Document Number	0177980660
Book / Page	17798 / 0660
Instrument	2018038348
Transaction Type	Transfer
Record Updated	Nov 15, 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	2018038349
Date	Sep 11, 2018
Instrument	2018038349

Lender

Name	BANGOR SAVINGS BANK

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 11, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 144 Surf St was $12,378, up 1.3% from the year before.

Source: York County and Saco City assessment roll, as of May 22, 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	$12,378.00 (+1.33%)	$871,700 (+0.26%) Land $617,300 Building $254,400
2024	$12,215.00	$869,400 Land $617,300 Building $252,100
2022	$11,834.00	$645,600 Land $470,300 Building $175,300

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 144 Surf St in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 16, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	14.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 135 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	138 units insured incl. 3 condo units
Nearby Flood Claims	216 (1978–2024)
Claims Outside the SFHA	42 of 216
Most Recent Claim	Apr 2024 · Severe Winter Storm
Claims by Event	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

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

Wildfire risk around 144 Surf St is low, with less than 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 99.8% of the US · lower than 99.9% 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 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Surf St

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