20 Mechanic St, Saco, ME 04072 Property Records

York County and Saco City property record for 20 Mechanic St, Saco, ME 04072

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,248 sqft · built 1938
Lot Size	0.233 acres (10,146 sqft)
Owner	2 Individual Names on File
Last Sale	$213,900 (Jul 2018)
Tax Bill	$3,052 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C4061R`

Property Details

APN / Parcel Number

Primary APN	`C4061R`
Alternative APNs	`SACO M:039 L:047 U:000-000` `M:039 L:047 U:000=000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,248 sqft Living Area
Gross Area	2,052 sqft
1st Floor Area	624 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Exterior Material	Wood Siding
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	10,146 sqft (0.233 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	C4061R
Street Address	20 MECHANIC ST
City	SACO
State	ME
Zip	04072-2726
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HDR
Legal Subdivision	GARY P COLLIN
Legal Lot Number	47
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	3
Census Block	3001
Census Tract	5301

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Saco Historic District listed 1998 · 184 contributing resources · NRIS 98000594

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

20 Mechanic St is owned and occupied by two individuals who bought it in July 2018.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	20 MECHANIC ST, SACO, ME 04072-2726
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2026	Deed of Trust, Mortgage · Line of Credit UPSTART MORTGAGE LLC
Jan 6, 2021	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jul 3, 2018	Warranty Deed, Transfer · FHA Mortgage CARRINGTON MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2018 · Amount on File
Deed Sale	Jul 3, 2018 · Amount on File
Prior Sale	Feb 8, 2008 · Amount on File
Deed Document Number	201825066
Deed Book / Page	17747 / 437
Transfer Doc	15324-0959
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	20 MECHANIC ST, SACO, ME 04072-2726
Transaction Type	Mortgage
Record Updated	Mar 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0198420723
Date	Feb 13, 2026
Book Page	19842/723
Instrument	2026004926

Lender

Name	UPSTART MORTGAGE LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2041

Interest

Rate Type	Adjustable Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	20 MECHANIC ST, SACO, ME 04072-2726
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0185130586
Date	Jan 6, 2021
Book Page	18513/586
Instrument	2021000657

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Feb 1, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SACO ME
Recording Date	Jul 3, 2018
Property Address	20 MECHANIC ST, SACO, ME 04072-2726
Document Number	0177470437
Book / Page	17747 / 0437
Instrument	2018025066
Transaction Type	Transfer
Record Updated	Jul 25, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018025067
Date	Jul 3, 2018
Instrument	2018025067

Lender

Name	CARRINGTON MTG SVCS

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 3, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 20 Mechanic St was $3,052, up 1.3% 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	$3,052.00 (+1.26%)	$214,900 (+0.19%) Land $87,100 Building $127,800
2024	$3,014.00	$214,500 Land $87,100 Building $127,400	$371,735
2022	$2,867.00	$156,400 Land $66,400 Building $90,000

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

Flood

FEMA maps place 20 Mechanic 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	3 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 20 Mechanic 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 94% of the US · lower than 96% 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.

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