316 Elm St, Biddeford, ME 04005 Property Records

York County and Biddeford City property record for 316 Elm St, Biddeford, ME 04005

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,770 sqft · built 1920
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,302 (2025)
Deeds & Mortgages	Jan 2021 Refinance Nov 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`BIDD M:34 L:4`

Property Details

APN / Parcel Number

Primary APN	`BIDD M:34 L:4`
Alternative APN	`340040000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,770 sqft Living Area
Gross Area	2,930 sqft
1st Floor Area	844 sqft
Basement Area	784 sqft
Unfinished Basement	784 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	5,663 sqft (0.13 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	340040000
Street Address	316 ELM ST
City	BIDDEFORD
State	ME
Zip	04005-3019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR
Legal Lot Number	4
Jurisdiction	BIDDEFORD ME
Township / Civil Division	BIDDEFORD
Census Block Group	1
Census Block	1004
Census Tract	25203

Owner

316 Elm St is owned and occupied by two individuals.

Source: York County and Biddeford City records, as of July 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	316 ELM ST, BIDDEFORD, ME 04005-3019
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
Jan 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SERVICE CU
Nov 2, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA

Assessor's Deed Record

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

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Property Address	316 ELM ST, BIDDEFORD, ME 04005-3019
Transaction Type	Mortgage
Record Updated	Feb 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0185420075
Date	Jan 29, 2021
Book Page	18542/75
Instrument	2021005853

Lender

Name	SERVICE CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	61 Months
Due	Feb 1, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Property Address	316 ELM ST, BIDDEFORD, ME 04005-3019
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0184340147
Date	Nov 2, 2020
Book Page	18434/147
Instrument	2020055625

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 316 Elm St was $5,302, up 6.3% from the year before.

Source: York County and Biddeford City assessment roll, as of July 30, 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	Assessed Market Value
2025	$5,302.00 (+6.34%)	$354,900 (+1.23%) Land $131,200 Building $223,700
2024	$4,986.00 (+8.39%)	$350,600 (-) Land $131,200 Building $219,400
2023	$4,600.00 (+7.35%)	$350,600 (+34.28%) Land $131,200 Building $219,400	$526,490
2022	$4,285.00	$261,100 Land $66,900 Building $194,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 316 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 316 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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