York County and Saco City property record for 3 Morgan Cir, Saco, ME 04072
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 810 sqft · built 2004 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,621 (2025) |
| Deeds & Mortgages | Jan 2026 Line of Credit Nov 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | SACO M:088 L:037 U:038-000 |
| Primary APN | SACO M:088 L:037 U:038-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 810 sqft Living Area |
| Gross Area | 2,580 sqft |
| 1st Floor Area | 810 sqft |
| Basement Area | 810 sqft |
| Unfinished Basement | 810 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,000 sqft (0.23 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 3 MORGAN CIR |
|---|---|
| City | SACO |
| State | ME |
| Zip | 04072-9109 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR |
| Legal Subdivision | RYAN FARMS II |
| Legal Lot Number | 37 |
| Jurisdiction | SACO ME |
| Township / Civil Division | SACO |
| Census Block Group | 2 |
| Census Block | 2013 |
| 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 | 3 MORGAN CIR, SACO, ME 04072-9109 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 16, 2026 | Deed of Trust, Mortgage · Line of Credit SACO & BIDDEFORD SAVINGS |
| Nov 23, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance SACO & BIDDEFORD SAVINGS |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACO ME |
| Property Address | 3 MORGAN CIR, SACO, ME 04072-9109 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0198260243 |
|---|---|
| Date | Jan 16, 2026 |
| Book Page | 19826/243 |
| Instrument | 2026001563 |
| Name | SACO & BIDDEFORD SAVINGS |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACO ME |
| Property Address | 3 MORGAN CIR, SACO, ME 04072-9109 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0184610141 |
|---|---|
| Date | Nov 23, 2020 |
| Book Page | 18461/141 |
| Instrument | 2020060270 |
| Name | SACO & BIDDEFORD SAVINGS |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 73 Months |
| Due | Dec 1, 2026 |
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 | $4,621.00 (+1.14%) | $325,400 (+0.06%) Land $130,100 Building $195,300 | |
| 2024 | $4,569.00 (+5.79%) | $325,200 (+38.03%) Land $130,100 Building $195,100 | $322,240 |
| 2022 | $4,319.00 | $235,600 Land $99,200 Building $136,400 |
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 167 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber Fiber | 2,000 / 2,000 |
| GoNetspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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