324 Elm St, Biddeford, ME 04005 Property Records

York County and Biddeford City property record for 324 Elm St, Biddeford, ME 04005

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,138 sqft · built 1962
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$460,000 (Dec 2022)
Tax Bill	$4,824 (2025)
Deeds & Mortgages	May 2026 Line of Credit Dec 2024 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`BIDD M:27 L:64`

Property Details

APN / Parcel Number

Primary APN	`BIDD M:27 L:64`
Alternative APN	`270640000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,138 sqft Living Area
Gross Area	2,762 sqft
1st Floor Area	1,136 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,534 sqft (0.15 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	270640000
Street Address	324 ELM ST
City	BIDDEFORD
State	ME
Zip	04005-3009
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR
Legal Lot Number	64
Jurisdiction	BIDDEFORD ME
Township / Civil Division	BIDDEFORD
Census Block Group	1
Census Block	1005
Census Tract	25203

Owner

324 Elm St is owned by two individuals who bought it in December 2022.

Source: York County and Biddeford City records, as of June 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2 LIONEL LN, WINDHAM, ME 04062-4037
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
May 27, 2026	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Dec 5, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Dec 20, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage CAMDEN NATIONAL BANK
Aug 3, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE
Nov 14, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance TOWN & COUNTRY FCU
Nov 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance TOWN & COUNTRY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2022 · Amount on File
Deed Sale	Dec 20, 2022 · Amount on File
Prior Sale	Aug 3, 2022 · Amount on File
Deed Document Number	202252252
Deed Book / Page	19172 / 461
Transfer Doc	16563-0983
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Recording Date	May 27, 2026
Property Address	324 ELM ST, BIDDEFORD, ME 04005-3009
Document Number	0199100811
Book / Page	19910 / 811
Instrument Date	May 17, 2026
Instrument	202617546
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 ELM ST, BIDDEFORD, ME 04005-3009

Mortgage

Document Number	0000017546,
Date	May 27, 2026
Book Page	19910/811
Instrument	202617546

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Property Address	324 ELM ST, BIDDEFORD, ME 04005-3009
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0195670169
Date	Dec 5, 2024
Book Page	19567/169
Instrument	2024041327

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2055

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BIDDEFORD ME
Recording Date	Dec 20, 2022
Property Address	324 ELM ST, BIDDEFORD, ME 04005-3009
Document Number	0191720461
Book / Page	19172 / 461
Instrument Date	Dec 16, 2022
Instrument	2022052252
Transaction Type	Transfer
Record Updated	Jan 2, 2023

Transaction

Amount	Amount on Record
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	2 LIONEL LN, WINDHAM, ME 04062-4037

Mortgage

Document Number	2022052253
Date	Dec 20, 2022
Instrument	2022052253

Lender

Name	CAMDEN NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Type Change Date	Jan 1, 2030
Max Rate At Change	2.25%
Index	1-Year CMT

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BIDDEFORD ME
Recording Date	Aug 3, 2022
Property Address	324 ELM ST, BIDDEFORD, ME 04005-3009
Document Number	0190840004
Book / Page	19084 / 4
Instrument Date	Aug 2, 2022
Instrument	2022032620
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
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	288 WEST ST, BIDDEFORD, ME 04005-9746
Investor	Possibly a Property Investor

Mortgage

Document Number	2022032621
Date	Aug 3, 2022
Instrument	2022032621

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Property Address	324 ELM ST, BIDDEFORD, ME 04005-3009
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180970163
Date	Nov 14, 2019
Book Page	18097/163
Instrument	2019048710

Lender

Name	TOWN & COUNTRY FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	97 Months
Due	Dec 1, 2027

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Property Address	324 ELM ST, BIDDEFORD, ME 04005-3009
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0184620847
Date	Nov 24, 2020
Book Page	18462/847
Instrument	2020060527

Lender

Name	TOWN & COUNTRY FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 324 Elm St was $4,824, up 1.2% 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	Assessed Market Value
2025	$4,824.00 (+1.24%)	$322,900 (-3.64%) Land $127,200 Building $195,700
2024	$4,765.00 (+8.37%)	$335,100 (-) Land $127,200 Building $207,900
2023	$4,397.00 (+0.69%)	$335,100 (+25.93%) Land $127,200 Building $207,900	$433,010
2022	$4,367.00	$266,100 Land $68,200 Building $197,900

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

Flood

FEMA maps place 324 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 324 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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