44 Richards Way, Saco, ME 04072 Property Records

York County and Saco City property record for 44 Richards Way, Saco, ME 04072

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,015 sqft · built 2008
Lot Size	0.497 acres (21,648 sqft)
Owner	2 Individual Names on Record
Last Sale	$523,000 (Aug 2017)
Tax Bill	$10,309 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Oct 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SACO M:023 L:006 U:000-006`

Property Details

APN / Parcel Number

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

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,015 sqft Living Area
Gross Area	6,565 sqft
1st Floor Area	1,324 sqft
Attic	Attic
Attic Area	1,064 sqft
Basement Area	1,324 sqft
Unfinished Basement	1,324 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,648 sqft (0.497 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	44 RICHARDS WAY
City	SACO
State	ME
Zip	04072-2165
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Subdivision	OCEAN GREENS II SUB
Legal Lot Number	6
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	2
Census Block	2006
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	44 RICHARDS WAY, SACO, ME 04072-2165
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Deed of Trust, Mortgage · ARM TD BANK NA
Oct 21, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance TD BANK NA
Dec 22, 2017	Deed of Trust, Mortgage · Line of Credit KEYBANK USA
Aug 28, 2017	Warranty Deed, Transfer GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2017 · Amount on Record
Deed Sale	Aug 28, 2017 · Amount on Record
Prior Sale	Jul 5, 2011 · Amount on Record
Deed Document Number	201736174
Deed Book / Page	17548 / 133
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	44 RICHARDS WAY, SACO, ME 04072-2165
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0188820700
Date	Nov 29, 2021
Book Page	18882/700
Instrument	2021068741

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.63%
Type Change Date	Dec 1, 2028
Index	Other
Margin	3

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	44 RICHARDS WAY, SACO, ME 04072-2165
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0184200125
Date	Oct 21, 2020
Book Page	18420/125
Instrument	2020053275

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	44 RICHARDS WAY, SACO, ME 04072-2165
Document Number	0176390922
Book / Page	017639 / 000922
Instrument Date	Dec 22, 2017
Transaction Type	Mortgage
Record Updated	Jan 16, 2018
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 RICHARDS WAY SACO ME 040722165, SACO, ME 04072-2165

Mortgage

Document Number	0176390922
Date	Jan 9, 2018
Book Page	017639/000922
Instrument	1052

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 8, 2048

Interest

Rate Type	Adjustable Rate

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SACO ME
Recording Date	Aug 28, 2017
Property Address	44 RICHARDS WAY, SACO, ME 04072-2165
Document Number	0175480133
Book / Page	017548 / 000133
Instrument Date	Aug 25, 2017
Instrument	36174
Transaction Type	Transfer
Record Updated	Sep 12, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11 DRAKE LN ELIOT ME 039031621, ELIOT, ME 03903-1621

Mortgage

Document Number	175480139
Date	Aug 28, 2017
Book Page	017548/000139
Instrument	36175

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2047

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	$10,309.00 (+1.31%)	$726,000 (+0.23%) Land $179,700 Building $546,300
2024	$10,176.00 (+7.69%)	$724,300 (+40.5%) Land $179,700 Building $544,600	$823,270
2022	$9,449.00	$515,500 Land $136,800 Building $378,700

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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