York County and Saco City property record for 431 Main St, Saco, ME 04072
| Property Type | Office Building |
|---|---|
| Details | 3 bd · 2.5 ba · 2,064 sqft · built 1910 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Company Name on File |
| Tax Bill | $8,777 (2025) |
| Deeds & Mortgages | Oct 2023 Refinance Oct 2023 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | W0015R |
| Primary APN | W0015R |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,064 sqft Total Area |
| Gross Area | 4,382 sqft |
| 1st Floor Area | 1,092 sqft |
| Attic | Attic |
| Attic Area | 1,092 sqft |
| Basement Area | 1,008 sqft |
| Unfinished Basement | 1,008 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,068 sqft (0.3 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | W0015R |
|---|---|
| Street Address | 431 MAIN ST |
| City | SACO |
| State | ME |
| Zip | 04072-1675 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Office Building |
| Local Zoning Code | MDR |
| Legal Lot Number | 28 |
| Jurisdiction | SACO ME |
| Township / Civil Division | SACO |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 5200 |
Source: York County and Saco City records · APN W0015R
Assessment roll updated July 30, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 46 BAY ST, PORTLAND, ME 04103-4202 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Oct 12, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance SACO & BIDDEFORD SAVINGS |
| Oct 12, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance SACO & BIDDEFORD SAVINGS |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACO ME |
| Property Address | 431 MAIN ST, SACO, ME 04072-1675 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0193270916 |
|---|---|
| Date | Oct 12, 2023 |
| Book Page | 19327/916 |
| Instrument | 2023032446 |
| Name | SACO & BIDDEFORD SAVINGS |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACO ME |
| Property Address | 431 MAIN ST, SACO, ME 04072-1675 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0193270934 |
|---|---|
| Date | Oct 12, 2023 |
| Book Page | 19327/934 |
| Instrument | 2023032447 |
| Name | SACO & BIDDEFORD SAVINGS |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
Source: York County and Saco City records · Assessment roll updated July 30, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maine |
| County | York County |
| Municipality | Saco City |
| Unified School District | Saco Public Schools (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $8,777.00 (+25.55%) | $618,100 (+24.22%) Land $267,500 Building $350,600 |
| 2024 | $6,991.00 (-14.02%) | $497,600 (+12.17%) Land $227,400 Building $270,200 |
| 2022 | $8,131.00 | $443,600 Land $173,400 Building $270,200 |
Source: FEMA National Flood Hazard Layer as of April 16, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.7% of Maine |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026
| Historic District | Within the Saco Historic District listed 1998 · 184 contributing resources · NRIS 98000594 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Consolidated Communications Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: Verizon, Xfinity.
Based on FCC filings for 329 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MAINE WATER COMPANY BIDDEFORD SACO DIV private · serves 42,508 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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