21 Ray St, Biddeford, ME 04005 Property Records

York County and Biddeford City property record for 21 Ray St, Biddeford, ME 04005

Property Summary

Property Type	Triplex
Details	5 bd · 3 ba · 2,374 sqft · built 1940
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$416,100 (Jun 2021)
Tax Bill	$6,324 (2025)
Deeds & Mortgages	Jun 2019 Refinance Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BIDD M:28 L:88`

Property Details

APN / Parcel Number

Primary APN	`BIDD M:28 L:88`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Units	3 Units
Stories	2 Stories
Building Area	2,374 sqft Living Area
Gross Area	4,349 sqft
1st Floor Area	1,428 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,227 sqft (0.12 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	21 RAY ST
City	BIDDEFORD
State	ME
Zip	04005-3795
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	R2
Legal Lot Number	88
Jurisdiction	BIDDEFORD ME
Township / Civil Division	BIDDEFORD
Census Block Group	1
Census Block	1002
Census Tract	25205

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	21 RAY ST, BIDDEFORD, ME 04005-3795
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORCOM MORTGAGE
Jun 29, 2021	Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Sep 5, 2017	Warranty Deed, Transfer · FHA Mortgage NORWICH COMMERCAL GRP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2021 · Amount on Record
Deed Sale	Jun 29, 2021 · Amount on Record
Prior Sale	Sep 5, 2017 · Amount on Record
Deed Document Number	202136773
Deed Book / Page	18715 / 422
Record Updated	Sep 20, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Property Address	21 RAY ST, BIDDEFORD, ME 04005-3795
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0179640001
Date	Jun 4, 2019
Book Page	17964/1
Instrument	2019019821

Lender

Name	NORCOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BIDDEFORD ME
Recording Date	Jun 29, 2021
Property Address	21 RAY ST, BIDDEFORD, ME 04005-3795
Document Number	0187150422
Book / Page	18715 / 422
Instrument Date	Jun 25, 2021
Instrument	2021036773
Transaction Type	Transfer
Record Updated	Feb 2, 2022
Title Company	MISC COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 VENTURA DR, NORTH BABYLON, NY 11703-2707

Mortgage

Document Number	2021036774
Date	Jun 29, 2021
Instrument	2021036774

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BIDDEFORD ME
Recording Date	Sep 5, 2017
Property Address	21 RAY ST, BIDDEFORD, ME 04005-3795
Document Number	0175530700
Book / Page	17553 / 0700
Instrument	2017037795
Transaction Type	Transfer
Record Updated	Feb 2, 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	0175530702
Date	Sep 5, 2017
Book Page	17553/0702
Instrument	2017037796

Lender

Name	NORWICH COMMERCAL GRP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 22, 2047

Tax Assessment & Valuation

Source: York County and Biddeford City assessment roll, as of May 22, 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	$6,324.00 (+6.39%)	$423,300 (+1.27%) Land $142,100 Building $281,200
2024	$5,944.00 (+10.07%)	$418,000 (+1.55%) Land $142,100 Building $275,900
2023	$5,400.00 (+19.84%)	$411,600 (+49.89%) Land $139,600 Building $272,000
2022	$4,506.00	$274,600 Land $71,800 Building $202,800

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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

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.

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 614 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	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Great Works Internet, Verizon.

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