38 Hill St, Saco, ME 04072 Property Records

York County and Saco City property record for 38 Hill St, Saco, ME 04072

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,367 sqft · built 1875
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Jun 2022)
Tax Bill	$3,419 (2025)
Deeds & Mortgages	Apr 2021 Refinance Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S1140R`

Property Details

APN / Parcel Number

Primary APN	`S1140R`
Alternative APNs	`SACO M:052 L:065 U:000-000` `M:052 L:065 U:000=000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,367 sqft Living Area
Gross Area	3,063 sqft
1st Floor Area	1,022 sqft
Basement Area	1,074 sqft
Unfinished Basement	1,074 sqft

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1875
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	S1140R
Street Address	38 HILL ST
City	SACO
State	ME
Zip	04072-3223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HDR
Legal Lot Number	65
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	1
Census Block	1009
Census Tract	5301

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	38 HILL ST, SACO, ME 04072-3223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CMG MORTGAGE INC
Jun 1, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2022 · Amount on Record
Deed Sale	Jun 1, 2022 · Amount on Record
Deed Document Number	202223546
Deed Book / Page	19039 / 626
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	38 HILL ST, SACO, ME 04072-3223
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0186290016
Date	Apr 14, 2021
Book Page	18629/16
Instrument	2021021445

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SACO ME
Recording Date	Jun 1, 2022
Property Address	38 HILL ST, SACO, ME 04072-3223
Document Number	0190390626
Book / Page	19039 / 626
Instrument Date	May 31, 2022
Instrument	2022023546
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	6358 N MYSTIC COVE PL, GARDEN CITY, ID 83714-5149

Mortgage

Document Number	2022023547
Date	Jun 1, 2022
Instrument	2022023547

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: York County and Saco City assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	York County
Municipality	Saco City
Unified School District	Saco Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,419.00 (+1.3%)	$240,800 (+0.25%) Land $84,600 Building $156,200
2024	$3,375.00 (+6.13%)	$240,200 (+38.44%) Land $84,600 Building $155,600	$452,580
2022	$3,180.00	$173,500 Land $64,500 Building $109,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	18 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 97% of the US · lower than 98.5% of Maine
Wildfire Likelihood	Under 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 368 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Premium Choice Broadband.

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