38 Harding St, Biddeford, ME 04005 Property Records

York County and Biddeford City property record for 38 Harding St, Biddeford, ME 04005

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,350 sqft · built 1923
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Trust Names on File
Last Sale	$206,000 (Apr 2020)
Tax Bill	$3,656 (2025)
Deeds & Mortgages	Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`BIDD M:28 L:170`

Property Details

APN / Parcel Number

Primary APN	`BIDD M:28 L:170`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,350 sqft Living Area
Gross Area	2,999 sqft
1st Floor Area	750 sqft
Basement Area	750 sqft
Unfinished Basement	750 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Conventional
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	38 HARDING ST
City	BIDDEFORD
State	ME
Zip	04005-3804
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Lot Number	170
Jurisdiction	BIDDEFORD ME
Township / Civil Division	BIDDEFORD
Census Block Group	1
Census Block	1005
Census Tract	25205

Owner

38 Harding St is owner-occupied and held in a trust since June 2024.

Source: York County and Biddeford City records, as of October 9, 2026

Owner of Record	2 Trust Names on File
Mailing Address	38 HARDING ST, BIDDEFORD, ME 04005-3804
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2020 · Amount on File
Deed Sale	Apr 28, 2020 · Amount on File
Prior Sale	Sep 22, 2009 · Amount on File
Deed Document Number	202017902
Deed Book / Page	18230 / 261
Last Transfer Date	Jun 17, 2024
Transfer Doc	0194530364
Record Updated	Oct 29, 2026

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BIDDEFORD ME
Recording Date	Apr 28, 2020
Property Address	38 HARDING ST, BIDDEFORD, ME 04005-3804
Document Number	0182300261
Book / Page	018230 / 000261
Instrument Date	Apr 23, 2020
Instrument	17902
Transaction Type	Transfer
Record Updated	Jun 11, 2020
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	38 HARDING ST BIDDEFORD ME 040053804, BIDDEFORD, ME 04005-3804

Mortgage

Document Number	182300262
Date	Apr 28, 2020
Book Page	018230/000262
Instrument	17903

Lender

Name	UNIVERSITY CU
Type	Credit Union
Address	ORONO, ME 04473

Agreement

Amount	Amount on Record
Term	240 Months
Due	Apr 27, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 38 Harding St was $3,656, up 6% 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	$3,656.00 (+5.97%)	$244,700 (+0.87%) Land $138,100 Building $106,600
2024	$3,450.00 (+9.52%)	$242,600 (+1.04%) Land $138,100 Building $104,500
2023	$3,150.00 (+1.51%)	$240,100 (+26.97%) Land $135,600 Building $104,500	$428,925
2022	$3,103.00	$189,100 Land $77,900 Building $111,200

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

Flood

FEMA maps place 38 Harding St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 38 Harding 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 304 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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