40 Oak St, Saco, ME 04072 Property Records

York County and Saco City property record for 40 Oak St, Saco, ME 04072 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,080 sqft · built 1953
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on File
Last Sale	$213,600 (Sep 2015)
Tax Bill	$3,645 (2025)
Deeds & Mortgages	Apr 2019 Mortgage Feb 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`L3540R`

Property Details

APN / Parcel Number

Primary APN	`L3540R`
Alternative APNs	`SACO M:053 L:127 U:000-000` `M:053 L:127 U:000=000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,080 sqft Living Area
Gross Area	2,262 sqft
1st Floor Area	1,080 sqft
Basement Area	1,080 sqft
Unfinished Basement	1,080 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	L3540R
Street Address	40 OAK ST
City	SACO
State	ME
Zip	04072-2517
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	FRANK L EMERY
Legal Lot Number	127
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	1
Census Block	1015
Census Tract	5302

Owner

Source: York County and Saco City records · APN L3540R

Assessment roll updated May 22, 2026 · Last verified June 2026

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

Owner of Record	Individual Name on File
Mailing Address	40 OAK ST, SACO, ME 04072-2517
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2019	Deed of Trust, Mortgage · Balloon Mortgage ATLANTIC REGIONAL FCU
Feb 18, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ATLANTIC REGIONAL FCU
Jun 13, 2019	Deed of Trust, Mortgage BIDDEFORD SVGS BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 11, 2015 · Amount on Record
Deed Sale	Sep 11, 2015 · Amount on Record
Deed Document Number	201538889
Deed Book / Page	17095 / 808
Record Updated	Sep 20, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	40 OAK ST, SACO, ME 04072-2517
Transaction Type	Mortgage
Record Updated	Feb 03, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0179290600
Date	Apr 16, 2019
Book Page	17929/600
Instrument	2019012852

Lender

Name	ATLANTIC REGIONAL FCU
Type	Credit Union

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2049

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	40 OAK ST, SACO, ME 04072-2517
Transaction Type	Mortgage
Record Updated	Feb 03, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0185630409
Date	Feb 18, 2021
Book Page	18563/409
Instrument	2021009757

Lender

Name	ATLANTIC REGIONAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Mar 01, 2041

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	40 OAK ST, SACO, ME 04072-2517
Document Number	0179740205
Instrument Date	Jun 13, 2019
Transaction Type	Mortgage
Record Updated	Jul 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 OAK LN WATERBORO ME 04087, WATERBORO, ME 04087

Mortgage

Document Number	0179740205
Date	Jun 18, 2019
Book Page	017974/000205
Instrument	22217

Lender

Name	BIDDEFORD SVGS BK
Type	Federal Savings Bank
Address	BIDDEFORD, ME 04005

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jun 17, 2039

Tax Assessment & Valuation

Source: York County and Saco City records · Assessment roll updated May 22, 2026 · Last verified June 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,645.00 (-0.52%)	$256,700 (-1.57%) Land $120,400 Building $136,300
2024	$3,664.00 (+3.88%)	$260,800 (+35.55%) Land $120,400 Building $140,400	$276,070
2022	$3,527.00	$192,400 Land $91,800 Building $100,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, York County (23031C), updated April 16, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 315 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
GoNetspeed	Fiber	2,000 / 2,000
Consolidated Communications	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 1,000

May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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