15 Timber Oaks, Saco, ME 04072 Property Records

York County and Saco City property record for 15 Timber Oaks, Saco, ME 04072

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,066 sqft · built 2014
Lot Size	0.958 acres (41,710 sqft)
Owner	Individual Name on Record
Last Sale	$292,900 (Aug 2014)
Tax Bill	$7,912 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Feb 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SACO M:027 L:109 U:001-000`

Property Details

APN / Parcel Number

Primary APN	`SACO M:027 L:109 U:001-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,066 sqft Living Area
Gross Area	4,975 sqft
1st Floor Area	1,028 sqft
Basement Area	1,028 sqft
Unfinished Basement	1,028 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	41,710 sqft (0.958 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	15 TIMBER OAKS
City	SACO
State	ME
Zip	04072-2127
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Subdivision	TIMBER OAKS SUB 2ND REVISION
Legal Lot Number	109
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	2
Census Block	2003
Census Tract	5400

Owner

Source: York County and Saco City records, as of May 22, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	15 TIMBER OAKS, SACO, ME 04072-2127
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Deed of Trust, Mortgage · Balloon Mortgage EVERGREEN CREDIT UNION
Feb 27, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance RESIDENTIAL FUNDING CO LLC
Dec 12, 2018	Deed of Trust, Mortgage · Line of Credit EVERGREEN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2014 · Amount on Record
Deed Sale	Aug 27, 2014 · Amount on Record
Prior Sale	Mar 23, 2009 · Amount on Record
Deed Document Number	201435038
Deed Book / Page	16881 / 239
Transfer Doc	16881-0239
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Recording Date	Apr 6, 2026
Property Address	15 TIMBER OAKS, SACO, ME 04072-2127
Document Number	0198770292
Book / Page	19877 / 292
Instrument Date	Mar 31, 2026
Instrument	202611276
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 TIMBER OAKS, SACO, ME 04072-2127

Mortgage

Document Number	0000011276,
Date	Apr 6, 2026
Book Page	19877/292
Instrument	202611276

Lender

Name	EVERGREEN CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6%
Max Rate	-1%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	15 TIMBER OAKS, SACO, ME 04072-2127
Transaction Type	Mortgage
Record Updated	Feb 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0181810089
Date	Feb 27, 2020
Book Page	18181/89
Instrument	2020009351

Lender

Name	RESIDENTIAL FUNDING CO LLC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2040

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	15 TIMBER OAKS, SACO, ME 04072-2127
Document Number	0178690826
Instrument Date	Dec 12, 2018
Transaction Type	Mortgage
Record Updated	Jan 21, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 TIMBER OAKS SACO ME 040722127, SACO, ME 04072-2127

Mortgage

Document Number	0178690826
Date	Dec 26, 2018
Book Page	017869/000826
Instrument	53918

Lender

Name	EVERGREEN CU
Type	Credit Union

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 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	Assessed Market Value
2025	$7,912.00 (+1.89%)	$557,200 (+0.81%) Land $137,200 Building $420,000
2024	$7,765.00 (+7.76%)	$552,700 (+40.6%) Land $137,200 Building $415,500	$700,625
2022	$7,206.00	$393,100 Land $104,700 Building $288,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	11 (1978–2024)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Jan 2024 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jan 2024 · 4 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 3 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 93% of Maine
Wildfire Likelihood	Under 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.

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 141 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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