York County and Saco City property record for 40 Garfield St, Saco, ME 04072
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3 ba · 3,150 sqft · built 1945 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $7,699 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit Aug 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | S0981R |
| Primary APN | S0981R |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,150 sqft Living Area |
| Gross Area | 5,404 sqft |
| 1st Floor Area | 1,183 sqft |
| Basement Area | 1,073 sqft |
| Finished Basement | 1,073 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,038 sqft (0.46 acres) |
| Garage Type | Detached |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | S0981R |
|---|---|
| Street Address | 40 GARFIELD ST |
| City | SACO |
| State | ME |
| Zip | 04072-2406 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MDR |
| Legal Lot Number | 52 |
| Jurisdiction | SACO ME |
| Township / Civil Division | SACO |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 5302 |
40 Garfield St is owned and occupied by an individual.
Source: York County and Saco City records, as of July 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 40 GARFIELD ST, SACO, ME 04072-2406 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Dec 20, 2022 | Deed of Trust, Mortgage · Line of Credit EVERGREEN CU |
| Aug 26, 2021 | Deed of Trust, Mortgage · Line of Credit EVERGREEN CU |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACO ME |
| Property Address | 40 GARFIELD ST, SACO, ME 04072-2406 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0191720817 |
|---|---|
| Date | Dec 20, 2022 |
| Book Page | 19172/817 |
| Instrument | 2022052320 |
| Name | EVERGREEN CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACO ME |
| Property Address | 40 GARFIELD ST, SACO, ME 04072-2406 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0187810197 |
|---|---|
| Date | Aug 26, 2021 |
| Book Page | 18781/197 |
| Instrument | 2021050091 |
| Name | EVERGREEN CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 40 Garfield St was $7,699, up 5.6% from the year before.
Source: York County and Saco City assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | York County |
| Municipality | Saco City |
| Unified School District | Saco Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,699.00 (+5.62%) | $542,200 (+4.51%) Land $126,800 Building $415,400 | |
| 2024 | $7,289.00 | $518,800 Land $126,800 Building $392,000 | $551,095 |
| 2022 | $6,199.00 | $338,200 Land $96,600 Building $241,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 Garfield 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 risk around 40 Garfield 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 169 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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