22 Ray St, Biddeford, ME 04005 Property Records

York County and Biddeford City property record for 22 Ray St, Biddeford, ME 04005

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,124 sqft · built 1940
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,716 (2025)
Deeds & Mortgages	May 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`BIDD M:28 L:78-1`

Property Details

APN / Parcel Number

Primary APN	`BIDD M:28 L:78-1`
Alternative APN	`M:28 L:78=1`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,124 sqft Living Area
Gross Area	3,436 sqft
1st Floor Area	1,062 sqft
Basement Area	1,062 sqft
Unfinished Basement	690 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	5,227 sqft (0.12 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	22 RAY ST
City	BIDDEFORD
State	ME
Zip	04005-3213
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Legal Lot Number	78-1
Jurisdiction	BIDDEFORD ME
Township / Civil Division	BIDDEFORD
Census Block Group	1
Census Block	1001
Census Tract	25205

Owner

Source: York County and Biddeford City records · APN BIDD M:28 L:78-1

Assessment roll updated July 30, 2026 · Last verified August 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 File
Mailing Address	8 BENSON RD, BIDDEFORD, ME 04005-9263
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Property Address	22 RAY ST, BIDDEFORD, ME 04005-3213
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0182580249
Date	May 29, 2020
Book Page	18258/249
Instrument	2020022471

Lender

Name	SACO & BIDDEFORD SAVINGS
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Tax Assessment & Valuation

Source: York County and Biddeford City records · Assessment roll updated July 30, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maine
County	York County
Municipality	Biddeford City
Unified School District	Biddeford (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value
2025	$5,716.00 (+6.28%)	$382,600 (+1.16%) Land $142,100 Building $240,500
2024	$5,378.00 (+10.14%)	$378,200 (+1.61%) Land $142,100 Building $236,100
2023	$4,883.00 (+18.75%)	$372,200 (+48.52%) Land $139,600 Building $232,600
2022	$4,112.00	$250,600 Land $71,800 Building $178,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 16, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Consolidated Communications 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: Biddeford Internet, Verizon.

Based on FCC filings for 614 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MAINE WATER COMPANY BIDDEFORD SACO DIV private · serves 42,508 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.