32 Ray St, Biddeford, ME 04005 Property Records

York County and Biddeford City property record for 32 Ray St, Biddeford, ME 04005

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,195 sqft · built 1890
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$393,000 (Jul 2022)
Tax Bill	$3,889 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit Jul 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`BIDD M:28 L:77`

Property Details

APN / Parcel Number

Primary APN	`BIDD M:28 L:77`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,195 sqft Living Area
Gross Area	2,266 sqft
1st Floor Area	683 sqft
Basement Area	683 sqft
Unfinished Basement	683 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,534 sqft (0.15 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	32 RAY ST
City	BIDDEFORD
State	ME
Zip	04005-3213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Lot Number	77
Jurisdiction	BIDDEFORD ME
Township / Civil Division	BIDDEFORD
Census Block Group	1
Census Block	1001
Census Tract	25205

Owner

Source: York County and Biddeford City records, as of May 22, 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	32 RAY ST, BIDDEFORD, ME 04005-3213
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2025	Deed of Trust, Mortgage · Line of Credit EVERGREEN CU
Jul 22, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE
Feb 28, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance YORK COUNTY FCU
Jul 21, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage ATLANTIC REGIONAL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2022 · Amount on Record
Deed Sale	Jul 22, 2022 · Amount on Record
Prior Sale	Jul 21, 2020 · Amount on Record
Deed Document Number	202230897
Deed Book / Page	19075 / 812
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Property Address	32 RAY ST, BIDDEFORD, ME 04005-3213
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0197260514
Date	Aug 25, 2025
Book Page	19726/514
Instrument	2025029513

Lender

Name	EVERGREEN CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BIDDEFORD ME
Recording Date	Jul 22, 2022
Property Address	32 RAY ST, BIDDEFORD, ME 04005-3213
Document Number	0190750812
Book / Page	19075 / 812
Instrument Date	Jul 22, 2022
Instrument	2022030897
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Venture
Address	17 KENSINGTON ST, PORTLAND, ME 04103-5315

Mortgage

Document Number	2022030898
Date	Jul 22, 2022
Instrument	2022030898

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Property Address	32 RAY ST, BIDDEFORD, ME 04005-3213
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0179020276
Date	Feb 28, 2019
Book Page	17902/276
Instrument	2019006989

Lender

Name	YORK COUNTY FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Mar 1, 2029

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BIDDEFORD ME
Recording Date	Jul 21, 2020
Property Address	32 RAY ST, BIDDEFORD, ME 04005-3213
Document Number	0183120843
Book / Page	18312 / 843
Instrument Date	Jul 20, 2020
Instrument	2020032554
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020032555
Date	Jul 21, 2020
Instrument	2020032555

Lender

Name	ATLANTIC REGIONAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	Assessed Market Value
2025	$3,889.00 (+6.26%)	$260,300 (+1.13%) Land $108,500 Building $151,800
2024	$3,660.00 (+9.19%)	$257,400 (+0.74%) Land $108,500 Building $148,900
2023	$3,352.00 (+2.04%)	$255,500 (+27.62%) Land $106,600 Building $148,900	$464,360
2022	$3,285.00	$200,200 Land $73,900 Building $126,300

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

Flood

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
Nearby Flood Policies	1 in force

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.

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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