442 Flag Pond Rd, Saco, ME 04072 Property Records

York County and Saco City property record for 442 Flag Pond Rd, Saco, ME 04072

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,680 sqft · built 1993
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,090 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Sep 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M1295R`

Property Details

APN / Parcel Number

Primary APN	`M1295R`
Alternative APNs	`SACO M:109 L:009 U:005-000` `M:109 L:009 U:005=000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,680 sqft Living Area
Gross Area	3,234 sqft
1st Floor Area	978 sqft
Basement Area	978 sqft
Unfinished Basement	978 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Other
Exterior Material	Logs
Roof Material	Asphalt
Lot Area	435,600 sqft (10 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	M1295R
Street Address	442 FLAG POND RD
City	SACO
State	ME
Zip	04072-9635
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RC
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	442 FLAG POND RD, SACO, ME 04072-9635
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) PARTNERS BANK OF NEW ENGLAND
Sep 24, 2020	Deed of Trust, Mortgage · Line of Credit PARTNERS BK/NEW ENGLAND
Aug 30, 2018	Deed of Trust, Mortgage SACO VLY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	442 FLAG POND RD, SACO, ME 04072-9635
Transaction Type	Mortgage
Record Updated	Feb 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0191900016
Date	Jan 30, 2023
Book Page	19190/16
Instrument	2023002401

Lender

Name	PARTNERS BANK OF NEW ENGLAND

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2033

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	442 FLAG POND RD, SACO, ME 04072-9635
Document Number	0183980550
Instrument Date	Sep 24, 2020
Transaction Type	Mortgage
Record Updated	Oct 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	442 FLAG POND RD SACO ME 040729635, SACO, ME 04072-9635

Mortgage

Document Number	0183980550
Date	Oct 1, 2020
Book Page	018398/000550
Instrument	49213

Lender

Name	PARTNERS BK/NEW ENGLAND
Address	SANFORD, ME 04073

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 30, 2045

Interest

Rate Type	Adjustable Rate

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	442 FLAG POND RD, SACO, ME 04072-9635
Document Number	0177990338
Instrument Date	Aug 30, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019
Title Company	ISGN FULFILLMENT SERVICES INC, ISGN FULFILLMENT SVC INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 FLAG POND RD SACO ME 040729635, SACO, ME 04072-9635

Mortgage

Document Number	0177990338
Date	Sep 12, 2018
Book Page	017799/000338
Instrument	38477

Lender

Name	SACO VLY CU
Type	Credit Union
Address	SACO, ME 04072

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Sep 11, 2028

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	$7,090.00 (+1.52%)	$499,300 (+0.44%) Land $181,700 Building $317,600
2024	$6,984.00 (+3.99%)	$497,100 (+35.67%) Land $181,700 Building $315,400	$389,025
2022	$6,716.00	$366,400 Land $138,400 Building $228,000

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	Direct burnable vegetation

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

5G (outdoors only) and 4G LTE

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