York County and Saco City property record for 20 Cottage Ave, Saco, ME 04072
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,484 sqft · built 2011 |
| Lot Size | 0.154 acres (6,728 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $9,899 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | K0425R |
| Primary APN | K0425R |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,484 sqft Living Area |
| Gross Area | 1,742 sqft |
| 1st Floor Area | 802 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,728 sqft (0.154 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | K0425R |
|---|---|
| Street Address | 20 COTTAGE AVE |
| City | SACO |
| State | ME |
| Zip | 04072 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR |
| Legal Lot Number | 38 |
| Jurisdiction | SACO ME |
| Township / Civil Division | SACO |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 5400 |
20 Cottage Ave is owned by two individuals who acquired it in August 2024.
Source: York County and Saco City records, as of July 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 21 COTTAGE AVE, SACO, ME 04072-1759 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 10, 2024 |
| Transfer Doc | 0194900611 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 20 Cottage Ave was $9,899, up 1.9% from the year before.
Source: York County and Saco City assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | York County |
| Municipality | Saco City |
| Unified School District | Saco Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,899.00 (+1.9%) | $697,100 (+0.82%) Land $422,200 Building $274,900 | |
| 2024 | $9,714.00 | $691,400 Land $422,200 Building $269,200 | $1,359,260 |
| 2022 | $9,207.00 | $502,300 Land $321,800 Building $180,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Cottage Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective April 16, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 13.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 135 individual policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 138 units insured incl. 3 condo units |
| Nearby Flood Claims | 216 (1978–2024) |
| Claims Outside the SFHA | 42 of 216 |
| Most Recent Claim | Apr 2024 · Severe Winter Storm |
| Claims by Event |
|
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 risk around 20 Cottage Ave 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 95% of the US · lower than 97.3% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 124 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 |
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