22 James St, Saco, ME 04072 Property Records

York County and Saco City property record for 22 James St, Saco, ME 04072

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 729 sqft · built 1952
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$379,000 (Dec 2025)
Tax Bill	$3,388 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`H2900R`

Property Details

APN / Parcel Number

Primary APN	`H2900R`
Alternative APNs	`SACO M:032 L:046 U:000-000` `M:032 L:046 U:000=000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	729 sqft Living Area
Gross Area	1,458 sqft
1st Floor Area	756 sqft
Basement Area	729 sqft
Unfinished Basement	368 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Ranch
Exterior Material	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,792 sqft (0.11 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	H2900R
Street Address	22 JAMES ST
City	SACO
State	ME
Zip	04072-2912
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HDR
Legal Lot Number	46
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	2
Census Block	2006
Census Tract	5301

Owner

Source: York County and Saco 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	96 JENKINS RD, SACO, ME 04072-9615
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2025	Deed of Trust, Mortgage MR QUALIFIED ALTERNAT
Dec 16, 2025	Warranty Deed, Transfer · Conventional Mortgage NORTHSTAR MORTGAGE CORP
Oct 30, 2019	Deed of Trust, Mortgage · Line of Credit SACO VLY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2025 · Amount on Record
Deed Sale	Dec 16, 2025 · Amount on Record
Prior Sale	May 30, 2025 · Amount on Record
Deed Document Number	202545457
Deed Book / Page	19806 / 843
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	22 JAMES ST, SACO, ME 04072-2912
Transaction Type	Mortgage
Record Updated	Dec 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0197450525
Date	Sep 19, 2025
Book Page	19745/525
Instrument	2025033764

Lender

Name	MR QUALIFIED ALTERNAT

Agreement

Amount	Amount Recorded

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SACO ME
Recording Date	Dec 16, 2025
Property Address	22 JAMES ST, SACO, ME 04072-2912
Document Number	0198060843
Book / Page	19806 / 843
Instrument Date	Dec 12, 2025
Instrument	2025045457
Transaction Type	Transfer
Record Updated	Dec 31, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	96 JENKINS RD, SACO, ME 04072-9615

Mortgage

Document Number	2025045458
Date	Dec 16, 2025
Instrument	2025045458

Lender

Name	NORTHSTAR MORTGAGE CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	22 JAMES ST, SACO, ME 04072-2912
Document Number	0180970153
Instrument Date	Oct 30, 2019
Transaction Type	Mortgage
Record Updated	Nov 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 JAMES ST SACO ME 040722912, SACO, ME 04072-2912

Mortgage

Document Number	0180970153
Date	Nov 14, 2019
Book Page	018097/000153
Instrument	48708

Lender

Name	SACO VLY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$3,388.00 (+18.84%)	$238,600 (+17.59%) Land $113,200 Building $125,400
2024	$2,851.00 (+4.47%)	$202,900 (+36.27%) Land $113,200 Building $89,700	$238,545
2022	$2,729.00	$148,900 Land $86,400 Building $62,500

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

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

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	Direct burnable vegetation

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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