40 Main St, Biddeford, ME 04005 Property Records

York County and Biddeford City property record for 40 Main St, Biddeford, ME 04005

Property Summary

Property Type	Commercial
Details	2 ba · 136,348 sqft · built 1850
Lot Size	1.57 acres (68,389 sqft)
Owner	Company Name on Record
Tax Bill	$203,404 (2025)
Deeds & Mortgages	Dec 2021 Refinance Dec 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BIDD M:71 L:10`

Property Details

APN / Parcel Number

Primary APN	`BIDD M:71 L:10`
Alternative APN	`000164150`

Interior

Full Baths	2 Baths
Units	7 Units
Stories	3 Stories
Building Area	136,348 sqft Total Area
Gross Area	204,522 sqft
1st Floor Area	68,174 sqft
Basement Area	68,174 sqft
Unfinished Basement	68,174 sqft
Elevator	Elevator

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	68,389 sqft (1.57 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	40 MAIN ST
City	BIDDEFORD
State	ME
Zip	04005-5178
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	MSRD3
Legal Lot Number	10
Jurisdiction	BIDDEFORD ME
Township / Civil Division	BIDDEFORD
Census Block Group	2
Census Block	2001
Census Tract	25206

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Biddeford-Saco Mills Historic District (Additional Documentation) listed 2008 · 2 contributing resources · NRIS 08001258

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: York County and Biddeford City records, as of May 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	245 BOYLSTON ST, 1100, BOSTON, MA 02116-3903
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LADDER CAPITAL FINANCE LLC
Dec 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MID-AMERICAN MORTGAGE INC
May 27, 2020	Deed of Trust, Mortgage SOUTHERN MAINE PLANNING & DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2012
Deed Sale	Dec 6, 2012
Deed Document Number	201257551
Deed Book / Page	16478 / 0953
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Property Address	40 MAIN ST, BIDDEFORD, ME 04005-5178
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0189010368
Date	Dec 16, 2021
Book Page	18901/368
Instrument	2021072258

Lender

Name	LADDER CAPITAL FINANCE LLC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Property Address	40 MAIN ST, BIDDEFORD, ME 04005-5178
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0189010434
Date	Dec 16, 2021
Book Page	18901/434
Instrument	2021072261

Lender

Name	MID-AMERICAN MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Property Address	40 MAIN ST, BIDDEFORD, ME 04005-5178
Document Number	0182560286
Instrument Date	May 27, 2020
Transaction Type	Mortgage
Record Updated	Jun 18, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2 MAIN ST #17-301E BIDDEFORD ME 040052071, 17-301, BIDDEFORD, ME 04005-2071

Mortgage

Document Number	0182560286
Date	May 27, 2020
Book Page	018256/000286
Instrument	22181

Lender

Name	SOUTHERN MAINE PLANNING & DEV
Address	110 MAIN ST # 1400, SACO, ME 04072-3504

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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
2025	$203,404.00 (+7.08%)	$13,614,700 (+1.91%) Land $300,000 Building $13,314,700
2024	$189,964.00 (+29.4%)	$13,358,900 (+19.39%) Land $300,000 Building $13,058,900
2023	$146,801.00 (+17.85%)	$11,189,100 (+47.41%) Land $300,000 Building $10,889,100
2022	$124,563.00	$7,590,700 Land $392,200 Building $7,198,500

Assessed value is set for property tax purposes and is not a market price estimate.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2011 · other causes

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 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 455 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 · 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: Great Works Internet, Premium Choice Broadband.

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