43 Richards Way, Saco, ME 04072 Property Records

York County and Saco City property record for 43 Richards Way, Saco, ME 04072

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,248 sqft · built 2014
Lot Size	0.918 acres (40,002 sqft)
Owner	2 Individual Names on Record
Last Sale	$468,800 (May 2013)
Tax Bill	$9,467 (2025)
Deeds & Mortgages	Jul 2022 Refinance Mar 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SACO M:023 L:006 U:000-002`

Property Details

APN / Parcel Number

Primary APN	`SACO M:023 L:006 U:000-002`
Alternative APN	`M:023 L:006 U:000=002`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,248 sqft Living Area
Gross Area	4,968 sqft
1st Floor Area	1,144 sqft
Basement Area	1,128 sqft
Unfinished Basement	232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,002 sqft (0.918 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	43 RICHARDS WAY
City	SACO
State	ME
Zip	04072-2164
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Subdivision	OCEAN GREENS 02
Legal Lot Number	6
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	2
Census Block	2003
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	43 RICHARDS WAY, SACO, ME 04072-2164
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK
Mar 2, 2017	Deed of Trust, Mortgage CAMDEN NATIONAL BANK
Feb 26, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK
Jan 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK
Sep 25, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NORCOM MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2013 · Amount on Record
Deed Sale	May 23, 2013 · Amount on Record
Deed Document Number	201323353
Deed Book / Page	16605 / 525
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	43 RICHARDS WAY, SACO, ME 04072-2164
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190720155
Date	Jul 18, 2022
Book Page	19072/155
Instrument	2022030150

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2047

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	43 RICHARDS WAY, SACO, ME 04072-2164
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0174300160
Date	Mar 2, 2017
Book Page	17430/0160
Instrument	2017008353

Lender

Name	CAMDEN NATIONAL BANK

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Mar 17, 2037

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	43 RICHARDS WAY, SACO, ME 04072-2164
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0181800631
Date	Feb 26, 2020
Book Page	18180/631
Instrument	2020009249

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2045

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	43 RICHARDS WAY, SACO, ME 04072-2164
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0181580045
Date	Jan 30, 2020
Book Page	18158/45
Instrument	2020004703

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2045

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	43 RICHARDS WAY, SACO, ME 04072-2164
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0183900908
Date	Sep 25, 2020
Book Page	18390/908
Instrument	2020047790

Lender

Name	NORCOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

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	$9,467.00 (+0.1%)	$666,700 (-0.97%) Land $186,800 Building $479,900
2024	$9,458.00 (+10.21%)	$673,200 (+43.78%) Land $186,800 Building $486,400	$951,995
2022	$8,582.00	$468,200 Land $142,300 Building $325,900

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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