16 Richards Way, Saco, ME 04072 Property Records

York County and Saco City property record for 16 Richards Way, Saco, ME 04072

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,076 sqft · built 2006
Lot Size	0.517 acres (22,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$404,400 (Aug 2014)
Tax Bill	$9,980 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Apr 2022 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`SACO M:018 L:024 U:027-000`

Property Details

APN / Parcel Number

Primary APN	`SACO M:018 L:024 U:027-000`
Alternative APNs	`M:018 L:024 U:027=000` `102699`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,076 sqft Living Area
Gross Area	6,506 sqft
1st Floor Area	1,552 sqft
Basement Area	1,552 sqft
Unfinished Basement	1,160 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Contemporary
Exterior Material	Combination
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,500 sqft (0.517 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	102699
Street Address	16 RICHARDS WAY
City	SACO
State	ME
Zip	04072-2163
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Subdivision	STRAWBERRY FIELDS FERRY ROAD
Legal Lot Number	24
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	2
Census Block	2011
Census Tract	5400

Owner

Source: York County and Saco City records, as of July 30, 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 Record
Mailing Address	16 RICHARDS WAY, SACO, ME 04072-2163
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2022	Deed of Trust, Mortgage · ARM BIDDEFORD SAVINGS BANK
Apr 13, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BIDDEFORD SAVINGS BANK
May 13, 2025	Deed of Trust, Mortgage · Line of Credit MAINE COMMUNITY BANK
Oct 30, 2025	Quit Claim Deed, Transfer Quitclaim
Sep 13, 2018	Deed of Trust, Mortgage BIDDEFORD SAVINGS BK
Mar 15, 2019	Deed of Trust, Mortgage · Balloon Mortgage BIDDEFORD SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2014 · Amount on Record
Deed Sale	Aug 20, 2014 · Amount on Record
Prior Sale	Mar 26, 2010 · Amount on Record
Deed Document Number	201433520
Deed Book / Page	16876 / 480
Last Transfer Date	Oct 29, 2025
Transfer Doc	0197750398
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	16 RICHARDS WAY, SACO, ME 04072-2163
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190010714
Date	Apr 13, 2022
Book Page	19001/714
Instrument	2022016496

Lender

Name	BIDDEFORD SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.13%
Type Change Date	May 1, 2027
Index	1-Year CMT

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	16 RICHARDS WAY, SACO, ME 04072-2163
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190010736
Date	Apr 13, 2022
Book Page	19001/736
Instrument	2022016497

Lender

Name	BIDDEFORD SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2047

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	16 RICHARDS WAY, SACO, ME 04072-2163
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0196560609
Date	May 13, 2025
Book Page	19656/609
Instrument	2025014717

Lender

Name	MAINE COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2050

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACO ME
Recording Date	Oct 30, 2025
Property Address	16 RICHARDS WAY, SACO, ME 04072-2163
Document Number	0197750398
Book / Page	19775 / 398
Instrument Date	Oct 29, 2025
Instrument	2025039654
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	16 RICHARDS WAY, SACO, ME 04072-2163

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	16 RICHARDS WAY, SACO, ME 04072-2163
Transaction Type	Mortgage
Record Updated	Feb 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0178000239
Date	Sep 13, 2018
Book Page	17800/0239
Instrument	2018038668

Lender

Name	BIDDEFORD SAVINGS BK

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Sep 28, 2043

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	16 RICHARDS WAY, SACO, ME 04072-2163
Transaction Type	Mortgage
Record Updated	Feb 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0179110674
Date	Mar 15, 2019
Book Page	17911/674
Instrument	2019009051

Lender

Name	BIDDEFORD SAVINGS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Apr 1, 2044

Tax Assessment & Valuation

Source: York County and Saco City assessment roll, as of July 30, 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	$9,980.00 (+1.91%)	$702,800 (+0.83%) Land $180,500 Building $522,300
2024	$9,793.00 (+7.73%)	$697,000 (+40.55%) Land $180,500 Building $516,500	$819,375
2022	$9,090.00	$495,900 Land $137,700 Building $358,200

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 95% of the US · lower than 97.3% 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 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Fidium Fiber, GoNetspeed.

Cell Coverage

5G (outdoors only) and 4G LTE

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