York County and Biddeford City property record for 16 Ratchet Way, Biddeford, ME 04005
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 5,046 sqft · built 2008 |
| Lot Size | 2.12 acres (92,347 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $15,236 (2025) |
| Deeds & Mortgages | Dec 2022 Refinance Mar 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | BIDD M:2 L:67-11 |
| Primary APN | BIDD M:2 L:67-11 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 5,046 sqft Living Area |
| Gross Area | 7,749 sqft |
| 1st Floor Area | 2,367 sqft |
| Basement Area | 1,807 sqft |
| Unfinished Basement | 1,807 sqft |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Contemporary |
| Exterior Material | Stone |
| Roof Material | Asphalt |
| Lot Area | 92,347 sqft (2.12 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 26711 |
|---|---|
| Street Address | 16 RATCHET WAY |
| City | BIDDEFORD |
| State | ME |
| Zip | 04005-4419 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RF |
| Legal Subdivision | BEACH DREAMS COTTAGES |
| Legal Lot Number | 67-11 |
| Jurisdiction | BIDDEFORD ME |
| Township / Civil Division | BIDDEFORD |
| Census Block Group | 3 |
| Census Block | 3038 |
| Census Tract | 25100 |
16 Ratchet Way is owned and occupied by two individuals.
Source: York County and Biddeford City records, as of July 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 16 RATCHET WAY, BIDDEFORD, ME 04005-4419 |
| 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 |
|---|---|
| Dec 28, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK |
| Mar 15, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BIDDEFORD ME |
| Property Address | 16 RATCHET WAY, BIDDEFORD, ME 04005-4419 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0191760595 |
|---|---|
| Date | Dec 28, 2022 |
| Book Page | 19176/595 |
| Instrument | 2022053034 |
| Name | BANGOR SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BIDDEFORD ME |
| Property Address | 16 RATCHET WAY, BIDDEFORD, ME 04005-4419 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0189770054 |
|---|---|
| Date | Mar 15, 2022 |
| Book Page | 18977/54 |
| Instrument | 2022011867 |
| Name | BANGOR SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Apr 1, 2047 |
The 2025 property tax bill for 16 Ratchet Way was $15,236, up 5.5% 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 | Assessed Market Value |
|---|---|---|---|
| 2025 | $15,236.00 (+5.54%) | $1,019,800 (+0.45%) Land $148,900 Building $870,900 | |
| 2024 | $14,436.00 (+8.66%) | $1,015,200 (+0.26%) Land $148,900 Building $866,300 | |
| 2023 | $13,285.00 (+5.63%) | $1,012,600 (+32.12%) Land $146,300 Building $866,300 | $911,525 |
| 2022 | $12,577.00 | $766,400 Land $101,000 Building $665,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 16 Ratchet Way in Zone X, an area of minimal flood risk.
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 |
| Nearby Flood Policies | 4 in force |
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 risk around 16 Ratchet Way 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 27 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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