20 Chapel St, Biddeford, ME 04005 Property Records

York County and Biddeford City property record for 20 Chapel St, Biddeford, ME 04005

Property Summary

Property Type	Apartments (5+ Units)
Details	5 bd · 4 ba · 4,030 sqft · built 1880
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$675,000 (Oct 2024)
Tax Bill	$7,241 (2025)
Deeds & Mortgages	May 2026 Mortgage Aug 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`BIDD M:39 L:154`

Property Details

APN / Parcel Number

Primary APN	`BIDD M:39 L:154`
Alternative APNs	`000161541` `391540000`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Units	4 Units
Stories	2 Stories
Building Area	4,030 sqft Living Area
Gross Area	6,711 sqft
1st Floor Area	2,015 sqft
Basement Area	2,015 sqft
Unfinished Basement	2,015 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	391540000
Street Address	20 CHAPEL ST
City	BIDDEFORD
State	ME
Zip	04005-5120
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	MSRD2
Legal Lot Number	154
Jurisdiction	BIDDEFORD ME
Township / Civil Division	BIDDEFORD
Census Block Group	1
Census Block	1006
Census Tract	25206

Owner

Source: York County and Biddeford City records, as of August 3, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	20 CHAPEL ST, BIDDEFORD, ME 04005-5120
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Deed of Trust · Conventional Mortgage OCMBC INC
Aug 18, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BIDDEFORD SAVINGS BANK
Apr 1, 2022	Personal Representative Deed, Transfer
Sep 18, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance TD BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2024 · Amount on Record
Deed Sale	Oct 31, 2024 · Amount on Record
Prior Sale	Apr 1, 2022
Deed Document Number	202437066
Deed Book / Page	19544 / 498
Prior Transfer Date	Oct 30, 2024
Prior Transfer Doc	0195440498
Record Updated	Oct 29, 2026

May 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Recording Date	May 21, 2026
Property Address	20 CHAPEL ST, BIDDEFORD, ME 04005-5120
Document Number	0199080055
Book / Page	19908 / 55
Instrument Date	Feb 18, 2026
Instrument	202617033
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CHAPEL ST, BIDDEFORD, ME 04005-5120
Investor	Possibly a Property Investor

Mortgage

Document Number	0000017033,
Date	May 21, 2026
Book Page	19908/55
Instrument	202617033

Lender

Name	OCMBC INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.09%
Max Rate	-1%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Property Address	20 CHAPEL ST, BIDDEFORD, ME 04005-5120
Transaction Type	Mortgage
Record Updated	Sep 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190940855
Date	Aug 18, 2022
Book Page	19094/855
Instrument	2022035759

Lender

Name	BIDDEFORD SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

April 2022: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	BIDDEFORD ME
Recording Date	Apr 1, 2022
Property Address	20 CHAPEL ST, BIDDEFORD, ME 04005-5120
Document Number	0189920924
Book / Page	18992 / 924
Instrument Date	Apr 1, 2022
Instrument	2022014898
Transaction Type	Transfer
Record Updated	Apr 18, 2022

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 432, BIDDEFORD, ME 04005-0432
Investor	Possibly a Property Investor

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Property Address	20 CHAPEL ST, BIDDEFORD, ME 04005-5120
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180480060
Date	Sep 18, 2019
Book Page	18048/60
Instrument	2019039315

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Tax Assessment & Valuation

Source: York County and Biddeford City assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	York County
Municipality	Biddeford City
Unified School District	Biddeford (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$7,241.00 (+6.27%)	$484,700 (+1.15%) Land $199,000 Building $285,700
2024	$6,814.00 (+8.38%)	$479,200 (-) Land $199,000 Building $280,200
2023	$6,287.00 (+18.07%)	$479,200 (+47.67%) Land $199,000 Building $280,200
2022	$5,325.00	$324,500 Land $104,300 Building $220,200

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	Indirect within 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 455 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Fidium Fiber Fiber · DSL in parts of the area	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: Great Works Internet, Premium Choice Broadband.

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