181 Smutty Ln, Saco, ME 04072 Property Records

York County and Saco City property record for 181 Smutty Ln, Saco, ME 04072

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,532 sqft · built 1992
Lot Size	1.86 acres (81,022 sqft)
Owner	Individual Name on File
Last Sale	$435,600 (Feb 2021)
Tax Bill	$8,865 (2025)
Deeds & Mortgages	Nov 2019 Refinance Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`H1682R`

Property Details

APN / Parcel Number

Primary APN	`H1682R`
Alternative APNs	`SACO M:106 L:024 U:000-003` `M:106 L:024 U:000=003`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,532 sqft Living Area
Gross Area	4,824 sqft
1st Floor Area	1,584 sqft
Basement Area	448 sqft
Unfinished Basement	448 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	81,022 sqft (1.86 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	H1682R
Street Address	181 SMUTTY LN
City	SACO
State	ME
Zip	04072-9718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Subdivision	ALFALFA HILLS
Legal Lot Number	24
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	3
Census Block	3001
Census Tract	5100

Owner

181 Smutty Ln is owned and occupied by an individual who bought it in February 2021.

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

Owner of Record	Individual Name on File
Mailing Address	181 SMUTTY LN, SACO, ME 04072-9718
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHEAST BANK
Feb 1, 2021	Warranty Deed, Transfer · VA Mortgage MID CONTINENT FUNDING
Jun 28, 2018	Warranty Deed, Transfer NORTHEAST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2021 · Amount on File
Deed Sale	Feb 1, 2021 · Amount on File
Prior Sale	Jun 28, 2018 · Amount on File
Deed Document Number	20216264
Deed Book / Page	18544 / 156
Record Updated	Sep 20, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	181 SMUTTY LN, SACO, ME 04072-9718
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180960073
Date	Nov 13, 2019
Book Page	18096/73
Instrument	2019048483

Lender

Name	NORTHEAST BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SACO ME
Recording Date	Feb 1, 2021
Property Address	181 SMUTTY LN, SACO, ME 04072-9718
Document Number	0185440156
Book / Page	18544 / 156
Instrument Date	Jan 29, 2021
Instrument	2021006264
Transaction Type	Transfer
Record Updated	Jul 25, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1300 WINDSOR CIR # UT, UT, JACKSONVILLE, NC 28546-6705

Mortgage

Document Number	2021006265
Date	Feb 1, 2021
Instrument	2021006265

Lender

Name	MID CONTINENT FUNDING

Agreement

Type	VA Mortgage
Amount	Amount on Record

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SACO ME
Recording Date	Jun 28, 2018
Property Address	181 SMUTTY LN, SACO, ME 04072-9718
Document Number	0177420462
Book / Page	17742 / 0462
Instrument	2018023988
Transaction Type	Transfer
Record Updated	Jul 25, 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	2018023989
Date	Jun 28, 2018
Instrument	2018023989

Lender

Name	NORTHEAST BANK

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 181 Smutty Ln was $8,865, up 0.2% 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	Assessed Market Value
2025	$8,865.00 (+0.24%)	$624,300 (-0.83%) Land $147,300 Building $477,000
2024	$8,844.00	$629,500 Land $147,300 Building $482,200	$525,065
2022	$8,243.00	$449,700 Land $112,200 Building $337,500

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

Flood

FEMA maps place 181 Smutty Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1987.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1987)
Most Recent Claim	Apr 1987 · Severe Storms & Flooding

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 181 Smutty Ln 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 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 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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