40 Water St, Biddeford, ME 04005 Property Records

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

Property Summary

Property Type	Triplex
Details	5 bd · 3 ba · 3,494 sqft · built 1920
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,371 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Mar 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`BIDD M:41 L:115`

Property Details

APN / Parcel Number

Primary APN	`BIDD M:41 L:115`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	15 Rooms
Units	3 Units
Stories	3 Stories
Building Area	3,494 sqft Living Area
Gross Area	5,546 sqft
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft
Unfinished Basement	1,344 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Other
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,920 sqft (0.09 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	40 WATER ST
City	BIDDEFORD
State	ME
Zip	04005-5615
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	MSRD2
Legal Lot Number	115
Jurisdiction	BIDDEFORD ME
Township / Civil Division	BIDDEFORD
Census Block Group	1
Census Block	1001
Census Tract	25206

Historic Designation

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

Historic District	Within the Biddeford Main Street Historic District listed 2009 · 52 contributing resources · NRIS 09001146

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 October 9, 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	50 MILL ST, KENNEBUNK, ME 04043-6264
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 1, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2017
Deed Sale	Mar 1, 2017
Deed Document Number	20178183
Deed Book / Page	17429 / 201
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Recording Date	Sep 3, 2026
Property Address	40 WATER ST, BIDDEFORD, ME 04005-5615
Document Number	0000034009
Book / Page	19987 / 555
Instrument Date	Sep 3, 2026
Instrument	202634009
Transaction Type	Mortgage
Record Updated	Sep 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 WATER ST, BIDDEFORD, ME 04005-5615

Mortgage

Document Number	0000034009,
Date	Sep 3, 2026
Book Page	19987/555
Instrument	202634009

Lender

Name	ROCKET MORTGAGE LLC

Agreement

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

Interest

Max Rate	-1%

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BIDDEFORD ME
Recording Date	Mar 1, 2017
Property Address	40 WATER ST, BIDDEFORD, ME 04005-5615
Document Number	0174290201
Book / Page	17429 / 0201
Instrument	2017008183
Transaction Type	Transfer
Record Updated	Feb 3, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: York County and Biddeford City assessment roll, as of July 30, 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	$4,371.00 (+6.3%)	$292,600 (+1.18%) Land $119,300 Building $173,300
2024	$4,112.00 (+9.25%)	$289,200 (+0.8%) Land $119,300 Building $169,900
2023	$3,764.00 (+26.31%)	$286,900 (+57.98%) Land $119,300 Building $167,600
2022	$2,980.00	$181,600 Land $58,600 Building $123,000

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

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

Values are read at the parcel center point; 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 94% of the US · lower than 95% of Maine
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within 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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