278 Elm St, Biddeford, ME 04005 Property Records

York County and Biddeford City property record for 278 Elm St, Biddeford, ME 04005

Property Summary

Property Type	Duplex
Details	4 bd · 2.5 ba · 2,986 sqft · built 1910
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on File
Last Sale	$201,000 (Nov 2014)
Tax Bill	$5,924 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Dec 2018 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`BIDD M:34 L:25`

Property Details

APN / Parcel Number

Primary APN	`BIDD M:34 L:25`
Alternative APN	`340250000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,986 sqft Living Area
Gross Area	6,371 sqft
1st Floor Area	1,163 sqft
Attic	Attic
Attic Area	1,073 sqft
Basement Area	1,163 sqft
Unfinished Basement	1,163 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,632 sqft (0.29 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	340250000
Street Address	278 ELM ST
City	BIDDEFORD
State	ME
Zip	04005-3062
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	OR
Legal Lot Number	25
Jurisdiction	BIDDEFORD ME
Township / Civil Division	BIDDEFORD
Census Block Group	1
Census Block	1001
Census Tract	25203

Owner

278 Elm St, a duplex, is owned and occupied by an individual who bought it in November 2014.

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

Owner of Record	Individual Name on File
Mailing Address	278 ELM ST, BIDDEFORD, ME 04005-3062
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
Sep 22, 2017	Deed of Trust, Mortgage RESIDENTIAL MTG SVCS
Dec 12, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance TOWN & COUNTRY FCU
Mar 10, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance UNIVERSITY CREDIT UNION
Oct 15, 2019	Deed of Trust, Mortgage UNIVERSITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2014 · Amount on File
Deed Sale	Nov 3, 2014 · Amount on File
Deed Document Number	201444922
Deed Book / Page	16917 / 894
Record Updated	Sep 20, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Property Address	278 ELM ST, BIDDEFORD, ME 04005-3062
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0175660024
Date	Sep 22, 2017
Book Page	17566/0024
Instrument	2017040585

Lender

Name	RESIDENTIAL MTG SVCS

Agreement

Amount	Amount on Record
Term	361 Months
Due	Oct 6, 2047

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Property Address	278 ELM ST, BIDDEFORD, ME 04005-3062
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0178600681
Date	Dec 12, 2018
Book Page	17860/681
Instrument	2018051885

Lender

Name	TOWN & COUNTRY FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	73 Months
Due	Jan 1, 2025

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Property Address	278 ELM ST, BIDDEFORD, ME 04005-3062
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0189730248
Date	Mar 10, 2022
Book Page	18973/248
Instrument	2022011115

Lender

Name	UNIVERSITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	61 Months
Due	Apr 1, 2027

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Property Address	278 ELM ST, BIDDEFORD, ME 04005-3062
Document Number	0180760171
Instrument Date	Oct 15, 2019
Transaction Type	Mortgage
Record Updated	Nov 8, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	278 ELM ST BIDDEFORD ME 040053062, BIDDEFORD, ME 04005-3062

Mortgage

Document Number	0180760171
Date	Oct 21, 2019
Book Page	018076/000171
Instrument	44846

Lender

Name	UNIVERSITY CU
Type	Credit Union
Address	ORONO, ME 04473

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 20, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 278 Elm St was $5,924, up 6.4% from the year before.

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	$5,924.00 (+6.36%)	$396,500 (+1.23%) Land $142,000 Building $254,500
2024	$5,570.00 (+9.45%)	$391,700 (+0.98%) Land $142,000 Building $249,700
2023	$5,089.00 (+18.24%)	$387,900 (+47.88%) Land $142,000 Building $245,900
2022	$4,304.00	$262,300 Land $77,200 Building $185,100

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

Flood

FEMA maps place 278 Elm 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 278 Elm St is low, with 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 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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