York County and Saco City property record for 23 Charles Rd, Saco, ME 04072
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,848 sqft · built 1986 |
| Lot Size | 1.34 acres (58,370 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,794 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit Oct 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | R1165R |
| Primary APN | R1165R |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,848 sqft Living Area |
| Gross Area | 2,860 sqft |
| 1st Floor Area | 1,080 sqft |
| Basement Area | 528 sqft |
| Unfinished Basement | 528 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Roof Material | Asphalt |
| Lot Area | 58,370 sqft (1.34 acres) |
| Deck Area | Deck Area |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Account Number | R1165R |
|---|---|
| Street Address | 23 CHARLES RD |
| City | SACO |
| State | ME |
| Zip | 04072-9680 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MDR |
| Legal Lot Number | 37 |
| Jurisdiction | SACO ME |
| Township / Civil Division | SACO |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 5100 |
Source: York County and Saco City records, as of July 30, 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 | 23 CHARLES RD, SACO, ME 04072-9680 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 1, 2021 | Deed of Trust, Mortgage · Line of Credit KEY BANK NA |
| Oct 19, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance KEY BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACO ME |
| Property Address | 23 CHARLES RD, SACO, ME 04072-9680 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0188560317 |
|---|---|
| Date | Nov 1, 2021 |
| Book Page | 18856/317 |
| Instrument | 2021064070 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACO ME |
| Property Address | 23 CHARLES RD, SACO, ME 04072-9680 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0188400659 |
|---|---|
| Date | Oct 19, 2021 |
| Book Page | 18840/659 |
| Instrument | 2021060974 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 73 Months |
| Due | Nov 1, 2027 |
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 | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,794.00 (+0.71%) | $337,600 (-0.35%) Land $122,400 Building $215,200 | |
| 2024 | $4,760.00 (+5.05%) | $338,800 (+37.06%) Land $122,400 Building $216,400 | $521,265 |
| 2022 | $4,531.00 | $247,200 Land $93,300 Building $153,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (2008–2010) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Feb 2010 · Severe Winter Storm |
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 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.
Source: FCC Broadband Data Collection, based on 18 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 / 35 |
4G LTE (outdoors only), no 5G reported
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