438 Ferry Rd, Saco, ME 04072 Property Records

York County and Saco City property record for 438 Ferry Rd, Saco, ME 04072 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,946 sqft · built 1817
Lot Size	0.73 acres (31,799 sqft)
Owner	Individual Name on File
Tax Bill	$5,778 (2025)
Deeds & Mortgages	Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`Z0404R`

Property Details

APN / Parcel Number

Primary APN	`Z0404R`
Alternative APNs	`SACO M:008 L:048 U:000-000` `M:008 L:048 U:000=000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,946 sqft Living Area
Gross Area	3,066 sqft
1st Floor Area	1,274 sqft
Basement Area	896 sqft
Unfinished Basement	896 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1817
Effective Year Built	Effective 1817
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	31,799 sqft (0.73 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	Z0404R
Street Address	438 FERRY RD
City	SACO
State	ME
Zip	04072-2215
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	48
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	1
Census Block	1018
Census Tract	5400

Owner

Source: York County and Saco City records · APN Z0404R

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	Individual Name on File
Mailing Address	PO BOX 1301, KENNEBUNK, ME 04043-1301
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	438 FERRY RD, SACO, ME 04072-2215
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0174410888
Date	Mar 24, 2017
Book Page	17441/0888
Instrument	2017011088

Lender

Name	CARDINAL FNCL CO LP

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Mar 24, 2032

Tax Assessment & Valuation

Source: York County and Saco City records · Assessment roll updated July 30, 2026 · Last verified August 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	$5,778.00 (+0.03%)	$406,900 (-1.02%) Land $166,300 Building $240,600
2024	$5,776.00 (+3.11%)	$411,100 (+34.52%) Land $166,300 Building $244,800	$529,625
2022	$5,602.00	$305,600 Land $126,600 Building $179,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, York County (23031C), updated April 16, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 230310054001, refreshed September 2026 · 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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 135 individual NFIP policies nearby
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	138 units insured (3 under condo master policies) 36 of 135 individual policies on primary residences
Nearby Flood Claims	216 (1978–2024)
Claims Outside the SFHA	42 of 216
Most Recent Claim	Apr 2024, tidal / storm surge, Severe Winter Storm
Flood Events	Severe Storms And Flooding (Jan 2024), 38 claims Severe Storms And Inland And Coastal Flooding (Apr 2007), 34 claims Coastal Storm (Oct 1991), 37 claims

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.