York County and Biddeford City property record for 3 Cottage St, Biddeford, ME 04005
| Property Type | Triplex |
|---|---|
| Details | 3 bd · 3 ba · 3,192 sqft · built 1914 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $6,385 (2025) |
| Deeds & Mortgages | Nov 2021 Refinance Jun 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | BIDD M:35 L:167 |
| Primary APN | BIDD M:35 L:167 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Units | 3 Units |
| Stories | 2 Stories |
| Building Area | 3,192 sqft Living Area |
| Gross Area | 4,952 sqft |
| 1st Floor Area | 1,596 sqft |
| Basement Area | 1,412 sqft |
| Unfinished Basement | 1,412 sqft |
| Year Built | Built 1914 |
|---|---|
| Effective Year Built | Effective 1914 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Flat |
| Roof Material | Tar & Gravel |
| Lot Area | 7,841 sqft (0.18 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 351670000 |
|---|---|
| Street Address | 3 COTTAGE ST |
| City | BIDDEFORD |
| State | ME |
| Zip | 04005-3461 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Local Zoning Code | R2 |
| Legal Lot Number | 167 |
| Jurisdiction | BIDDEFORD ME |
| Township / Civil Division | BIDDEFORD |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 25205 |
3 Cottage St, a triplex, is owned and occupied by an individual.
Source: York County and Biddeford City records, as of July 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3 COTTAGE ST, BIDDEFORD, ME 04005-3461 |
| 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.
| Date | Document |
|---|---|
| Nov 23, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance BIDDEFORD SAVINGS BANK |
| Jun 23, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BIDDEFORD ME |
| Property Address | 3 COTTAGE ST, BIDDEFORD, ME 04005-3461 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0188780002 |
|---|---|
| Date | Nov 23, 2021 |
| Book Page | 18878/2 |
| Instrument | 2021067910 |
| Name | BIDDEFORD SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Dec 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BIDDEFORD ME |
| Property Address | 3 COTTAGE ST, BIDDEFORD, ME 04005-3461 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0190540694 |
|---|---|
| Date | Jun 23, 2022 |
| Book Page | 19054/694 |
| Instrument | 2022026608 |
| Name | AMERISAVE MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
The 2025 property tax bill for 3 Cottage St was $6,385, up 6.3% from the year before.
Source: York County and Biddeford City assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | York County |
| Municipality | Biddeford City |
| Unified School District | Biddeford (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $6,385.00 (+6.29%) | $427,400 (+1.18%) Land $133,000 Building $294,400 |
| 2024 | $6,007.00 (+1%) | $422,400 (+1.49%) Land $133,000 Building $289,400 |
| 2023 | $5,461.00 (+13.3%) | $416,200 (+41.71%) Land $130,500 Building $285,700 |
| 2022 | $4,820.00 | $293,700 Land $76,100 Building $217,600 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 3 Cottage 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 risk around 3 Cottage 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 | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 288 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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