38 Richards Way, Saco, ME 04072 Property Records

York County and Saco City property record for 38 Richards Way, Saco, ME 04072

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,463 sqft · built 2010
Lot Size	0.464 acres (20,193 sqft)
Owner	2 Individual Names on Record
Last Sale	$785,000 (Jul 2026)
Tax Bill	$8,415 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage May 2024 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SACO M:023 L:024 U:014-000`

Property Details

APN / Parcel Number

Primary APN	`SACO M:023 L:024 U:014-000`
Alternative APNs	`M:023 L:024 U:014=000` `102724`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,463 sqft Living Area
Gross Area	4,694 sqft
1st Floor Area	978 sqft
Basement Area	978 sqft
Unfinished Basement	978 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,193 sqft (0.464 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	102724
Street Address	38 RICHARDS WAY
City	SACO
State	ME
Zip	04072-2163
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Subdivision	STRAWBERRY FIELDS
Legal Lot Number	24
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	2
Census Block	2010
Census Tract	5400

Owner

Source: York County and Saco City records, as of July 30, 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	38 RICHARDS WAY, SACO, ME 04072-2163
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Warranty Deed, Transfer · Conventional Mortgage US BANK
May 31, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Jun 30, 2020	Warranty Deed, Transfer · VA Mortgage ACADEMY MORTGAGE CORP
Oct 10, 2017	Quit Claim Deed, Transfer Quitclaim
Jul 3, 2018	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2026 · Amount on Record
Deed Sale	Jul 14, 2026 · Amount on Record
Prior Sale	Jun 30, 2020 · Amount on Record
Deed Book / Page	19946 / 649
Transfer Doc	0175770414
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SACO ME
Recording Date	Jul 14, 2026
Property Address	38 RICHARDS WAY, SACO, ME 04072-2163
Document Number	0000024553
Book / Page	19946 / 649
Instrument Date	Jul 13, 2026
Instrument	202624553
Transaction Type	Transfer
Record Updated	Jul 30, 2026

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 Tenants
Address	38 RICHARDS WAY, SACO, ME 04072-2163

Mortgage

Date	Jul 14, 2026

Lender

Name	US BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	38 RICHARDS WAY, SACO, ME 04072-2163
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0194430567
Date	May 31, 2024
Book Page	19443/567
Instrument	2024015546

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SACO ME
Recording Date	Jun 30, 2020
Property Address	38 RICHARDS WAY, SACO, ME 04072-2163
Document Number	0182910396
Book / Page	18291 / 396
Instrument Date	Jun 30, 2020
Instrument	2020028549
Transaction Type	Transfer
Record Updated	Jul 25, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4 EASTERN RD, SCARBOROUGH, ME 04074-9084

Mortgage

Document Number	2020028550
Date	Jun 30, 2020
Instrument	2020028550

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACO ME
Recording Date	Oct 10, 2017
Property Address	38 RICHARDS WAY, SACO, ME 04072-2163
Document Number	0175770414
Book / Page	017577 / 000414
Instrument Date	Oct 5, 2017
Instrument	42981
Transaction Type	Transfer
Record Updated	Nov 8, 2017

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 RICHARDS WAY SACO ME 040722163, SACO, ME 04072-2163

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SACO ME
Recording Date	Jul 3, 2018
Property Address	38 RICHARDS WAY, SACO, ME 04072-2163
Document Number	0177460575
Book / Page	017746 / 000575
Instrument Date	Oct 5, 2017
Instrument	24960
Transaction Type	Transfer
Record Updated	Sep 5, 2018
Title Company	H AND D TITLE AND CLOSING SERVICES

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41451 REINDEER DR NOVI MI 483754832, NOVI, MI 48375-4832

Mortgage

Document Number	177460579
Date	Jul 3, 2018
Book Page	017746/000579
Instrument	24961

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2048

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	$8,415.00 (+1.37%)	$592,600 (+0.3%) Land $179,500 Building $413,100
2024	$8,301.00 (+7.11%)	$590,800 (+39.74%) Land $179,500 Building $411,300	$760,570
2022	$7,750.00	$422,800 Land $136,700 Building $286,100

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
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	11 (1978–2024)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Jan 2024 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jan 2024 · 4 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 3 claims

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 98% of the US · lower than 99% of Maine
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 82 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Fidium Fiber, GoNetspeed.

Cell Coverage

5G (outdoors only) and 4G LTE

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