191 Smutty Ln, Saco, ME 04072 Property Records

York County and Saco City property record for 191 Smutty Ln, Saco, ME 04072

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,200 sqft · built 1991
Lot Size	1.84 acres (80,150 sqft)
Owner	2 Individual Names on Record
Last Sale	$411,000 (Jan 2020)
Tax Bill	$6,478 (2025)
Deeds & Mortgages	Jan 2021 Refinance Dec 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`S3252R`

Property Details

APN / Parcel Number

Primary APN	`S3252R`
Alternative APNs	`SACO M:106 L:024 U:000-005` `000731707`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,200 sqft Living Area
Gross Area	3,576 sqft
1st Floor Area	768 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	80,150 sqft (1.84 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	S3252R
Street Address	191 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

Source: York County and Saco City records, as of October 19, 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	191 SMUTTY LN, SACO, ME 04072-9718
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE MORTGAGE
Dec 31, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 3, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage HARBORONE MORTGAGE
Jan 19, 2017	Warranty Deed, Transfer GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2020 · Amount on Record
Deed Sale	Jan 3, 2020 · Amount on Record
Prior Sale	Jan 19, 2016
Deed Document Number	202020000651
Deed Book / Page	18138 / 869
Transfer Doc	0171700376
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	191 SMUTTY LN, SACO, ME 04072-9718
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0185190083
Date	Jan 11, 2021
Book Page	18519/83
Instrument	2021001791

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACO ME
Recording Date	Dec 31, 2020
Property Address	191 SMUTTY LN, SACO, ME 04072-9718
Document Number	0185090519
Book / Page	018509 / 000519
Instrument Date	Nov 27, 2020
Instrument	68401
Transaction Type	Transfer
Record Updated	Jan 28, 2021
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	Tenants in Common
Address	41 CHARLES HILL CIR ORINDA CA 945631901, ORINDA, CA 94563-1901

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SACO ME
Recording Date	Jan 3, 2020
Property Address	191 SMUTTY LN, SACO, ME 04072-9718
Document Number	0181380869
Book / Page	18138 / 869
Instrument Date	Jan 3, 2020
Instrument	2020000651
Transaction Type	Transfer
Record Updated	Feb 3, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 WASHINGTON ST APT B, B, SANFORD, ME 04073-3099

Mortgage

Document Number	2020000652
Date	Jan 3, 2020
Instrument	2020000652

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SACO ME
Recording Date	Jan 19, 2017
Property Address	191 SMUTTY LN, SACO, ME 04072-9718
Document Number	0174060711
Book / Page	017406 / 000711
Instrument Date	Jan 13, 2017
Instrument	2653
Transaction Type	Transfer
Record Updated	Feb 7, 2017
Title Company	RED DOOR TITLE

Transaction

Tax	$0.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9 HENRY ST SACO ME 040722910, SACO, ME 04072-2910

Mortgage

Document Number	174060713
Date	Jan 19, 2017
Book Page	017406/000713
Instrument	2654

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 18, 2047

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	$6,478.00 (+5.16%)	$456,200 (+4.06%) Land $147,200 Building $309,000
2024	$6,160.00 (+6.81%)	$438,400 (+39.35%) Land $147,200 Building $291,200	$525,350
2022	$5,767.00	$314,600 Land $112,100 Building $202,500

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
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

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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