York County and Biddeford City property record for 20 Harding St, Biddeford, ME 04005
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,648 sqft · built 1930 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,086 (2025) |
| Deeds & Mortgages | Apr 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | BIDD M:28 L:172 |
| Primary APN | BIDD M:28 L:172 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,648 sqft Living Area |
| Gross Area | 3,012 sqft |
| 1st Floor Area | 824 sqft |
| Basement Area | 824 sqft |
| Unfinished Basement | 824 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 20 HARDING ST |
|---|---|
| City | BIDDEFORD |
| State | ME |
| Zip | 04005-3804 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R2 |
| Legal Subdivision | LIBERTY PLAINS |
| Legal Lot Number | 172 |
| Jurisdiction | BIDDEFORD ME |
| Township / Civil Division | BIDDEFORD |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 25205 |
20 Harding St, a duplex, is owned and occupied by an individual.
Source: York County and Biddeford City records, as of July 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 20 HARDING ST, BIDDEFORD, ME 04005-3804 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BIDDEFORD ME |
| Property Address | 20 HARDING ST, BIDDEFORD, ME 04005-3804 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0179380595 |
|---|---|
| Date | Apr 29, 2019 |
| Book Page | 17938/595 |
| Instrument | 2019014902 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2049 |
The 2025 property tax bill for 20 Harding St was $5,086, up 6.2% from the year before.
Source: York County and Biddeford City assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | York County |
| Municipality | Biddeford City |
| Unified School District | Biddeford (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $5,086.00 (+6.22%) | $340,400 (+1.1%) Land $147,600 Building $192,800 |
| 2024 | $4,788.00 (+10.22%) | $336,700 (+1.69%) Land $147,600 Building $189,100 |
| 2023 | $4,344.00 (+16.21%) | $331,100 (+45.35%) Land $144,900 Building $186,200 |
| 2022 | $3,738.00 | $227,800 Land $81,700 Building $146,100 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 20 Harding 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 |
| Nearby Flood Policies | 1 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 risk around 20 Harding St is low, with 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 80% of the US · above 53% of Maine |
|---|---|
| Wildfire Likelihood | 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 304 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 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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