2 Wharf St, Saco, ME 04072 Property Records

York County and Saco City property record for 2 Wharf St, Saco, ME 04072

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,740 sqft · built 1981
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,226 (2025)
Deeds & Mortgages	Jul 2026 Transfer Sep 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M2027R`

Property Details

APN / Parcel Number

Primary APN	`M2027R`
Alternative APNs	`SACO M:031 L:198 U:000-000` `M:031 L:198 U:000=000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,740 sqft Living Area
Gross Area	2,896 sqft
1st Floor Area	900 sqft
Basement Area	600 sqft
Unfinished Basement	600 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	M2027R
Street Address	2 WHARF ST
City	SACO
State	ME
Zip	04072-3342
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	D
Legal Lot Number	198
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	2
Census Block	2001
Census Tract	5301

Owner

2 Wharf St is owned and occupied by two individuals who acquired it in July 2026.

Source: York County and Saco City records, as of August 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2 WHARF ST, SACO, ME 04072-3342
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 15, 2026	Quit Claim Deed, Transfer Quitclaim
Sep 30, 2024	Deed of Trust, Mortgage · Line of Credit SACO & BIDDEFORD SAVINGS
Nov 7, 2025	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Nov 19, 2019	Warranty Deed, Transfer · Stand-Alone Refinance SACO & BIDDEFORD SAVINGS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2026
Deed Sale	Jul 15, 2026
Prior Sale	Nov 7, 2025 · Amount on File
Deed Document Number	202624753
Deed Book / Page	19947 / 945
Transfer Doc	1525000233
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACO ME
Recording Date	Jul 15, 2026
Property Address	2 WHARF ST, SACO, ME 04072-3342
Document Number	0000024753
Book / Page	19947 / 945
Instrument Date	Jul 15, 2026
Instrument	202624753
Transaction Type	Transfer
Record Updated	Aug 31, 2026

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2 WHARF ST, SACO, ME 04072-3342

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	2 WHARF ST, SACO, ME 04072-3342
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0195210307
Date	Sep 30, 2024
Book Page	19521/307
Instrument	2024032541

Lender

Name	SACO & BIDDEFORD SAVINGS
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2044

Interest

Rate Type	Adjustable Rate

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SACO ME
Recording Date	Nov 7, 2025
Property Address	2 WHARF ST, SACO, ME 04072-3342
Document Number	0197810249
Book / Page	19781 / 249
Instrument Date	Nov 3, 2025
Instrument	2025040730
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025040731
Date	Nov 7, 2025
Instrument	2025040731

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SACO ME
Recording Date	Nov 19, 2019
Property Address	2 WHARF ST, SACO, ME 04072-3342
Document Number	0181020386
Book / Page	18102 / 386
Instrument Date	Oct 21, 2019
Instrument	2019049862
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2 WHARF ST, SACO, ME 04072-3342

Mortgage

Document Number	2019049863
Date	Nov 19, 2019
Instrument	2019049863

Lender

Name	SACO & BIDDEFORD SAVINGS
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2 Wharf St was $5,226, up 19.9% 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	$5,226.00 (+19.94%)	$368,000 (+18.67%) Land $156,200 Building $211,800
2024	$4,357.00	$310,100 Land $156,200 Building $153,900	$360,715
2022	$4,148.00	$226,300 Land $119,000 Building $107,300

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

Flood

FEMA maps place 2 Wharf St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective April 16, 2025

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2 Wharf 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 93% of the US · lower than 93% 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 373 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GoNetspeed.

Nearby Properties on Wharf St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures