20 Middle St, #22, Biddeford, ME 04005 Property Records

York County and Biddeford City property record for 20 Middle St, #22, Biddeford, ME 04005

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 1,973 sqft · built 1920
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Last Sale	$557,000 (Aug 2024)
Tax Bill	$3,720 (2025)
Deeds & Mortgages	Feb 2024 Refinance Oct 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`BIDD M:39 L:183`

Property Details

APN / Parcel Number

Primary APN	`BIDD M:39 L:183`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,973 sqft Living Area
Gross Area	2,656 sqft
1st Floor Area	1,116 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Duplex Single
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,227 sqft (0.12 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	20 MIDDLE ST, 22
City	BIDDEFORD
State	ME
Zip	04005-3409
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Legal Lot Number	183
Jurisdiction	BIDDEFORD ME
Township / Civil Division	BIDDEFORD
Census Block Group	4
Census Block	4006
Census Tract	25206

Owner

20 Middle St, #22 is owned by two individuals who bought it in August 2024.

Source: York County and Biddeford City records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	342 NORTH ST, 301, SACO, ME 04072-1800
Owner Type	Individual
Vesting	Individual(s)

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
Feb 26, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance 1ST NATIONAL BANK
Oct 6, 2017	Deed of Trust, Mortgage BANGOR SAVINGS BANK
Jun 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MOFIN LENDING
Oct 16, 2020	Deed of Trust, Transfer OTHER INSTITUTIONAL LENDERS
Mar 10, 2017	Deed of Trust, Mortgage DILLIGAF HOLDINGS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2024 · Amount on File
Deed Sale	Aug 26, 2024 · Amount on File
Prior Sale	Oct 19, 2020 · Amount on File
Deed Document Number	202427240
Deed Book / Page	19497 / 1
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Property Address	20-22 MIDDLE ST, BIDDEFORD, ME 04005
Transaction Type	Mortgage
Record Updated	Mar 11, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0193930024
Date	Feb 26, 2024
Book Page	19393/24
Instrument	2024005426

Lender

Name	1ST NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Property Address	20-22 MIDDLE ST, BIDDEFORD, ME 04005
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0175770139
Date	Oct 6, 2017
Book Page	17577/0139
Instrument	2017042904

Lender

Name	BANGOR SAVINGS BANK

Agreement

Amount	Amount on Record

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Property Address	20-22 MIDDLE ST, BIDDEFORD, ME 04005
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0187030868
Date	Jun 17, 2021
Book Page	18703/868
Instrument	2021034715

Lender

Name	MOFIN LENDING

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

October 2020: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Property Address	20-22 MIDDLE ST, BIDDEFORD, ME 04005
Document Number	0184160477
Instrument Date	Oct 16, 2020
Transaction Type	Transfer
Record Updated	Nov 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 532 BIDDEFORD ME 040050532, BIDDEFORD, ME 04005-0532

Mortgage

Document Number	0184160477
Date	Oct 19, 2020
Book Page	018416/000477
Instrument	52721

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	CUMBERLAND, ME 04021

Agreement

Amount	Amount on Record

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Property Address	20-22 MIDDLE ST, BIDDEFORD, ME 04005
Document Number	0174360279
Book / Page	017436 / 000279
Instrument Date	Mar 10, 2017
Transaction Type	Mortgage
Record Updated	Apr 4, 2017
Title Company	TWO LIGHTS SETTLEMENTS SERVICES LLC, TWO LIGHTS SETTLEMENTS SVC LLC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	20 MIDDLE ST BIDDEFORD ME 040053409, BIDDEFORD, ME 04005-3409

Mortgage

Document Number	0174360279
Date	Mar 15, 2017
Book Page	017436/000279
Instrument	9868

Lender

Name	DILLIGAF HOLDINGS LLC
Address	374 ROUTE 1, YARMOUTH, ME 04096-6746

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 20 Middle St, #22 was $3,720, up 6% from the year before.

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	$3,720.00 (+6.04%)	$249,000 (+0.93%) Land $126,900 Building $122,100
2024	$3,508.00 (+9.18%)	$246,700 (+0.73%) Land $126,900 Building $119,800
2023	$3,213.00 (+30.88%)	$244,900 (+63.7%) Land $126,900 Building $118,000
2022	$2,455.00	$149,600 Land $60,800 Building $88,800

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

FEMA maps place 20 Middle St, #22 in Zone X, an area of minimal flood risk.

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

Wildfire risk around 20 Middle St, #22 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	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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