York County and Saco City property record for 45 Richards Way, Saco, ME 04072
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,359 sqft · built 2011 |
| Lot Size | 1 acres (43,584 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $555,000 (Jan 2020) |
| Tax Bill | $11,635 (2025) |
| Deeds & Mortgages | Jan 2022 Refinance Jun 2025 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SACO M:023 L:006 U:000-005 |
| Primary APN | SACO M:023 L:006 U:000-005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,359 sqft Living Area |
| Gross Area | 5,986 sqft |
| 1st Floor Area | 1,521 sqft |
| Basement Area | 1,227 sqft |
| Finished Basement | 1,227 sqft |
| Unfinished Basement | 1,227 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 43,584 sqft (1 acres) |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 45 RICHARDS WAY |
|---|---|
| City | SACO |
| State | ME |
| Zip | 04072-2164 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LDR |
| Legal Subdivision | OCEAN GREENS II |
| Legal Lot Number | 6 |
| Jurisdiction | SACO ME |
| Township / Civil Division | SACO |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 5400 |
Source: York County and Saco City records · APN SACO M:023 L:006 U:000-005
Assessment roll updated May 22, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 45 RICHARDS WAY, SACO, ME 04072-2164 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
| Date | Document |
|---|---|
| Jan 06, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance INFINITY FEDERAL CREDIT UNION |
| Jun 18, 2025 | Quit Claim Deed, Transfer Quitclaim |
| Jan 13, 2020 | Deed of Trust, Mortgage INFINITY FCU |
| Jan 13, 2020 | Warranty Deed, Transfer INFINITY FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 13, 2020 · Amount on Record |
| Deed Sale | Jan 13, 2020 · Amount on Record |
| Prior Sale | Sep 07, 2016 |
| Deed Document Number | 20202020002046 |
| Deed Book / Page | 18145 / 194 |
| Last Transfer Date | Jun 17, 2025 |
| Transfer Doc | 0196800563 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACO ME |
| Property Address | 45 RICHARDS WAY, SACO, ME 04072-2164 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0189200470 |
|---|---|
| Date | Jan 06, 2022 |
| Book Page | 18920/470 |
| Instrument | 2022001008 |
| Name | INFINITY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 01, 2037 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SACO ME |
| Recording Date | Jun 18, 2025 |
| Property Address | 45 RICHARDS WAY, SACO, ME 04072-2164 |
| Document Number | 0196800563 |
| Book / Page | 19680 / 563 |
| Instrument Date | Jun 17, 2025 |
| Instrument | 2025019281 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 RICHARDS WAY, SACO, ME 04072-2164 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACO ME |
| Property Address | 45 RICHARDS WAY, SACO, ME 04072-2164 |
| Document Number | 0181450201 |
| Instrument Date | Jan 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 45 RICHARDS WAY SACO ME 040722164, SACO, ME 04072-2164 |
| Document Number | 0181450201 |
|---|---|
| Date | Jan 13, 2020 |
| Book Page | 018145/000201 |
| Instrument | 2047 |
| Name | INFINITY FCU |
|---|---|
| Type | Credit Union |
| Address | PORTLAND, ME 04104 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 12, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SACO ME |
| Recording Date | Jan 13, 2020 |
| Property Address | 45 RICHARDS WAY, SACO, ME 04072-2164 |
| Document Number | 0181450194 |
| Book / Page | 018145 / 000194 |
| Instrument Date | Jan 13, 2020 |
| Instrument | 2046 |
| Transaction Type | Transfer |
| Record Updated | Feb 03, 2020 |
| Title Company | OTHER |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 49 LUFKIN RD NORTH YARMOUTH ME 040976054, NORTH YARMOUTH, ME 04097-6054 |
| Document Number | 181450201 |
|---|---|
| Date | Jan 13, 2020 |
| Book Page | 018145/000201 |
| Instrument | 2047 |
| Name | INFINITY FCU |
|---|---|
| Type | Credit Union |
| Address | PORTLAND, ME 04104 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 12, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
Source: York County and Saco City records · Assessment roll updated May 22, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Maine |
| County | York County |
| Municipality | Saco City |
| Unified School District | Saco Public Schools (KG - 12) |
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 | $11,635.00 (+0.89%) | $819,400 (-0.17%) Land $188,200 Building $631,200 | |
| 2024 | $11,532.00 (+7.81%) | $820,800 (+40.64%) Land $188,200 Building $632,600 | $865,260 |
| 2022 | $10,697.00 | $583,600 Land $143,300 Building $440,300 |
Source: FEMA National Flood Hazard Layer, York County (23031C), as of April 16, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 230310054002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
|
| Wildfire Risk | Low lower than 93% of the US · lower than 93% of Maine |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Consolidated Communications, GoNetspeed.
Based on FCC filings for 82 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System, water system ME0090170, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MAINE WATER COMPANY BIDDEFORD SACO DIV private · serves 42,508 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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