21 Franklin St, Saco, ME 04072 Property Records

York County and Saco City property record for 21 Franklin St, Saco, ME 04072

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,456 sqft · built 1950
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$368,800 (Apr 2023)
Tax Bill	$4,440 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit Mar 2025 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`S2680R`

Property Details

APN / Parcel Number

Primary APN	`S2680R`
Alternative APNs	`SACO M:053 L:091 U:000-000` `M:053 L:091 U:000=000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,456 sqft Living Area
Gross Area	2,686 sqft
1st Floor Area	832 sqft
Basement Area	832 sqft
Unfinished Basement	832 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	S2680R
Street Address	21 FRANKLIN ST
City	SACO
State	ME
Zip	04072-2504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Subdivision	URANIA STACY & SHADRACH STACY
Legal Lot Number	91
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	1
Census Block	1016
Census Tract	5302

Owner

21 Franklin St is owned and occupied by an individual who bought it in April 2023.

Source: York County and Saco City records, as of May 22, 2026

Owner of Record	Individual Name on File
Mailing Address	21 FRANKLIN ST, SACO, ME 04072-2504
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2025	Deed of Trust, Mortgage · Line of Credit CUMBERLAND COUNTY FCU
Mar 25, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance AMERICAN FINANCIAL RESOURCES INC
Apr 18, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage GUILD MORTGAGE CO
May 21, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CUMBERLAND COUNTY FCU
Dec 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance RESIDENTIAL MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2023 · Amount on File
Deed Sale	Apr 18, 2023 · Amount on File
Prior Sale	Aug 30, 2013 · Amount on File
Deed Document Number	20239929
Deed Book / Page	19223 / 629
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	21 FRANKLIN ST, SACO, ME 04072-2504
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0197290113
Date	Aug 28, 2025
Book Page	19729/113
Instrument	2025030076

Lender

Name	CUMBERLAND COUNTY FCU

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2045

Interest

Rate Type	Adjustable Rate

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	21 FRANKLIN ST, SACO, ME 04072-2504
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0196250924
Date	Mar 25, 2025
Book Page	19625/924
Instrument	2025008947

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2055

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SACO ME
Recording Date	Apr 18, 2023
Property Address	21 FRANKLIN ST, SACO, ME 04072-2504
Document Number	0192230629
Book / Page	19223 / 629
Instrument Date	Apr 10, 2023
Instrument	2023009929
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 FRANKLIN ST, SACO, ME 04072-2504

Mortgage

Document Number	2023009930
Date	Apr 18, 2023
Instrument	2023009930

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	21 FRANKLIN ST, SACO, ME 04072-2504
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0179530600
Date	May 21, 2019
Book Page	17953/600
Instrument	2019017855

Lender

Name	CUMBERLAND COUNTY FCU

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	21 FRANKLIN ST, SACO, ME 04072-2504
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0185060576
Date	Dec 30, 2020
Book Page	18506/576
Instrument	2020067934

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 21 Franklin St was $4,440, up 3.6% from the year before.

Source: York County and Saco City assessment roll, as of May 22, 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	$4,440.00 (+3.57%)	$312,700 (+2.49%) Land $118,900 Building $193,800
2024	$4,287.00	$305,100 Land $118,900 Building $186,200	$409,925
2022	$4,135.00	$225,600 Land $90,700 Building $134,900

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

Flood

FEMA maps place 21 Franklin St 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 21 Franklin 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 95% 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 337 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 · Fiber in parts of the area	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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