436 Flag Pond Rd, Saco, ME 04072 Property Records

York County and Saco City property record for 436 Flag Pond Rd, Saco, ME 04072

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,216 sqft · built 2000
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$617,000 (Jan 2026)
Tax Bill	$6,009 (2025)
Deeds & Mortgages	Jan 2025 Line of Credit Jan 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M2395R`

Property Details

APN / Parcel Number

Primary APN	`M2395R`
Alternative APNs	`SACO M:109 L:009 U:002-000` `M:109 L:009 U:002=000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,216 sqft Living Area
Gross Area	3,187 sqft
1st Floor Area	896 sqft
Basement Area	884 sqft
Unfinished Basement	884 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Logs
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	M2395R
Street Address	436 FLAG POND RD
City	SACO
State	ME
Zip	04072-9635
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Subdivision	CHARLENE JOHNSONN
Legal Lot Number	9
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	2
Census Block	2014
Census Tract	5100

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	6 CARTIER CIR, SACO, ME 04072-1727
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2025	Deed of Trust, Mortgage · Line of Credit TOWN & COUNTRY FCU
Jan 30, 2026	Warranty Deed, Transfer · Conventional Mortgage EVERGREEN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2026 · Amount on Record
Deed Sale	Jan 30, 2026 · Amount on Record
Deed Document Number	20263312
Deed Book / Page	19834 / 897
Record Updated	Sep 20, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	436 FLAG POND RD, SACO, ME 04072-9635
Transaction Type	Mortgage
Record Updated	Feb 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0195920842
Date	Jan 21, 2025
Book Page	19592/842
Instrument	2025001755

Lender

Name	TOWN & COUNTRY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SACO ME
Recording Date	Jan 30, 2026
Property Address	436 FLAG POND RD, SACO, ME 04072-9635
Document Number	0198340897
Book / Page	19834 / 897
Instrument Date	Jan 30, 2026
Instrument	2026003312
Transaction Type	Transfer
Record Updated	Feb 18, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	6 CARTIER CIR, SACO, ME 04072-1727

Mortgage

Document Number	2026003313
Date	Jan 30, 2026
Instrument	2026003313

Lender

Name	EVERGREEN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2041

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	$6,009.00 (-5.52%)	$423,200 (-6.52%) Land $148,100 Building $275,100
2024	$6,360.00 (-0.7%)	$452,700 (+29.56%) Land $148,100 Building $304,600	$435,290
2022	$6,405.00	$349,400 Land $112,800 Building $236,600

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2008–2010)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2010 · Severe Winter Storm

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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

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