York County and Biddeford City property record for 44 Harding St, Biddeford, ME 04005
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,505 sqft · built 1933 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $500,000 (Apr 2024) |
| Tax Bill | $5,390 (2025) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage Nov 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | BIDD M:28 L:152 |
| Primary APN | BIDD M:28 L:152 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,505 sqft Living Area |
| Gross Area | 4,183 sqft |
| 1st Floor Area | 1,505 sqft |
| Basement Area | 1,505 sqft |
| Unfinished Basement | 1,505 sqft |
| Year Built | Built 1933 |
|---|---|
| Effective Year Built | Effective 1933 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,375 sqft (0.33 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 44 HARDING ST |
|---|---|
| City | BIDDEFORD |
| State | ME |
| Zip | 04005-3834 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Lot Number | 152 |
| Jurisdiction | BIDDEFORD ME |
| Township / Civil Division | BIDDEFORD |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 25205 |
44 Harding St is owned by two individuals who bought it in April 2024.
Source: York County and Biddeford City records, as of May 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11 WHITNEY AVE, PORTLAND, ME 04102-2521 |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 8, 2024 | Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO |
| Nov 17, 2022 | Deed of Trust, Mortgage · Line of Credit SACO VALLEY CREDIT UNION |
| Jan 13, 2020 | Deed of Trust, Mortgage · Line of Credit SACO VLY CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 8, 2024 · Amount on File |
| Deed Sale | Apr 8, 2024 · Amount on File |
| Deed Document Number | 20249872 |
| Deed Book / Page | 19414 / 834 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BIDDEFORD ME |
| Recording Date | Apr 8, 2024 |
| Property Address | 44 HARDING ST, BIDDEFORD, ME 04005-3834 |
| Document Number | 0194140834 |
| Book / Page | 19414 / 834 |
| Instrument Date | Apr 3, 2024 |
| Instrument | 2024009872 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 11 WHITNEY AVE, PORTLAND, ME 04102-2521 |
| Document Number | 2024009873 |
|---|---|
| Date | Apr 8, 2024 |
| Instrument | 2024009873 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BIDDEFORD ME |
| Property Address | 44 HARDING ST, BIDDEFORD, ME 04005-3834 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0191540839 |
|---|---|
| Date | Nov 17, 2022 |
| Book Page | 19154/839 |
| Instrument | 2022048578 |
| Name | SACO VALLEY CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BIDDEFORD ME |
| Property Address | 44 HARDING ST, BIDDEFORD, ME 04005-3834 |
| Document Number | 0181520881 |
| Instrument Date | Jan 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 44 HARDING ST BIDDEFORD ME 040053834, BIDDEFORD, ME 04005-3834 |
| Document Number | 0181520881 |
|---|---|
| Date | Jan 23, 2020 |
| Book Page | 018152/000881 |
| Instrument | 3659 |
| Name | SACO VLY CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 44 Harding St was $5,390, up 6.2% from the year before.
Source: York County and Biddeford City assessment roll, as of May 22, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | York County |
| Municipality | Biddeford City |
| Unified School District | Biddeford (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,390.00 (+6.23%) | $360,800 (+1.12%) Land $155,200 Building $205,600 | |
| 2024 | $5,074.00 (+9.26%) | $356,800 (+0.79%) Land $155,200 Building $201,600 | |
| 2023 | $4,644.00 (+8.43%) | $354,000 (+35.63%) Land $152,400 Building $201,600 | $460,370 |
| 2022 | $4,283.00 | $261,000 Land $85,500 Building $175,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 44 Harding St in Zone X, an area of minimal flood risk.
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 |
| Nearby Flood Policies | 1 in force |
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 risk around 44 Harding St is low, with a 0.01% annual chance of 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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 472 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Fidium Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
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