198 Beach St, Saco, ME 04072 Property Records

York County and Saco City property record for 198 Beach St, Saco, ME 04072

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,085 sqft · built 1951
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Sep 2021)
Tax Bill	$3,899 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A1150R`

Property Details

APN / Parcel Number

Primary APN	`A1150R`
Alternative APNs	`SACO M:026 L:057 U:000-000` `M:026 L:057 U:000=000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,085 sqft Living Area
Gross Area	2,755 sqft
1st Floor Area	775 sqft
Attic	Attic
Attic Area	775 sqft
Basement Area	775 sqft
Unfinished Basement	775 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	A1150R
Street Address	198 BEACH ST
City	SACO
State	ME
Zip	04072-2901
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Subdivision	ALFRED W EMERSON
Legal Lot Number	57
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	3
Census Block	3013
Census Tract	5200

Owner

198 Beach St is owned and occupied by an individual who bought it in September 2021.

Source: York County and Saco City records, as of July 30, 2026

Owner of Record	Individual Name on File
Mailing Address	198 BEACH ST, SACO, ME 04072-2901
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
Apr 27, 2018	Deed of Trust, Mortgage TD BANK NA
Sep 17, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage USA RURAL HOUSING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2021 · Amount on File
Deed Sale	Sep 17, 2021 · Amount on File
Prior Sale	Nov 24, 2009 · Amount on File
Deed Document Number	202154865
Deed Book / Page	18806 / 358
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	198 BEACH ST, SACO, ME 04072-2901
Transaction Type	Mortgage
Record Updated	Nov 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0177010709
Date	Apr 27, 2018
Book Page	17701/0709
Instrument	2018015223

Lender

Name	TD BANK NA

Agreement

Amount	Amount on Record
Term	361 Months
Due	May 11, 2048

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SACO ME
Recording Date	Sep 17, 2021
Property Address	198 BEACH ST, SACO, ME 04072-2901
Document Number	0188060358
Book / Page	18806 / 358
Instrument Date	Sep 17, 2021
Instrument	2021054865
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1010 PORTLAND RD # UT112, UT112, SACO, ME 04072-4005

Mortgage

Document Number	2021054866
Date	Sep 17, 2021
Instrument	2021054866

Lender

Name	USA RURAL HOUSING

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 198 Beach St was $3,899, up 0.6% from the year before.

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	$3,899.00 (+0.65%)	$274,600 (-0.4%) Land $117,400 Building $157,200
2024	$3,874.00	$275,700 Land $117,400 Building $158,300	$343,045
2022	$3,666.00	$200,000 Land $89,400 Building $110,600

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

Flood

FEMA maps place 198 Beach St 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 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

Wildfire risk around 198 Beach St is low, with less than 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 99.1% of the US · lower than 99.7% 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 218 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	1,000 / 1,000

May also be available: Verizon.

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