York County and Saco City property record for 21 Bay Ave, Saco, ME 04072
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2.5 ba · 1,720 sqft · built 1966 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $8,005 (2025) |
| Deeds & Mortgages | Apr 2017 Mortgage |
| Flood Zone | Zone VE (high risk) |
| APN | W1845R |
| Primary APN | W1845R |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,720 sqft Living Area |
| Gross Area | 3,648 sqft |
| 1st Floor Area | 920 sqft |
| Basement Area | 920 sqft |
| Unfinished Basement | 920 sqft |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Duplex Single |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,792 sqft (0.11 acres) |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | W1845R |
|---|---|
| Street Address | 21 BAY AVE |
| City | SACO |
| State | ME |
| Zip | 04072-3002 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | CE |
| Legal Lot Number | 3 |
| Jurisdiction | SACO ME |
| Township / Civil Division | SACO |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 5400 |
Source: York County and Saco City records, as of October 19, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 98 LAKESHORE DR, WINTHROP, ME 04364-3919 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACO ME |
| Property Address | 21 BAY AVE, SACO, ME 04072-3002 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0174480802 |
|---|---|
| Date | Apr 6, 2017 |
| Book Page | 17448/0802 |
| Instrument | 2017012730 |
| Name | OCEAN COMMUNITIES FCU |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 21, 2047 |
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 |
|---|---|---|
| 2025 | $8,005.00 (+1.07%) | $563,700 (-) Land $352,400 Building $211,300 |
| 2024 | $7,920.00 (+4.09%) | $563,700 (+35.8%) Land $352,400 Building $211,300 |
| 2022 | $7,609.00 | $415,100 Land $268,600 Building $146,500 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective April 16, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 14.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 98.5% 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 89 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 |
May also be available: GoNetspeed, T-Mobile.
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