York County and Saco City property record for 46 Oak St, Saco, ME 04072
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,085 sqft · built 1922 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | Individual Name on File |
| Last Sale | $326,600 (Dec 2020) |
| Tax Bill | $4,100 (2025) |
| Deeds & Mortgages | May 2025 Line of Credit Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | G2545R |
| Primary APN | G2545R |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,085 sqft Living Area |
| Gross Area | 2,618 sqft |
| 1st Floor Area | 943 sqft |
| Attic | Attic |
| Attic Area | 744 sqft |
| Basement Area | 744 sqft |
| Unfinished Basement | 744 sqft |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1922 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,504 sqft (0.31 acres) |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | G2545R |
|---|---|
| Street Address | 46 OAK ST |
| City | SACO |
| State | ME |
| Zip | 04072-2517 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MDR |
| Legal Lot Number | 130 |
| Jurisdiction | SACO ME |
| Township / Civil Division | SACO |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 5302 |
Source: York County and Saco City records · APN G2545R
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 | Individual Name on File |
|---|---|
| Mailing Address | 46 OAK ST, SACO, ME 04072-2517 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 05, 2025 | Deed of Trust, Mortgage · Line of Credit BANGOR SAVINGS BANK |
| Dec 08, 2020 | Warranty Deed, Transfer · Stand-Alone First Mortgage HARBORONE MORTGAGE |
| Aug 31, 2018 | Deed of Trust, Mortgage STATE CHARTERED CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 08, 2020 · Amount on Record |
| Deed Sale | Dec 08, 2020 · Amount on Record |
| Prior Sale | Nov 26, 2014 · Amount on Record |
| Deed Document Number | 202063288 |
| Deed Book / Page | 18479 / 867 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACO ME |
| Property Address | 46 OAK ST, SACO, ME 04072-2517 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0196510230 |
|---|---|
| Date | May 05, 2025 |
| Book Page | 19651/230 |
| Instrument | 2025013775 |
| Name | BANGOR SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SACO ME |
| Recording Date | Dec 08, 2020 |
| Property Address | 46 OAK ST, SACO, ME 04072-2517 |
| Document Number | 0184790867 |
| Book / Page | 18479 / 867 |
| Instrument Date | Dec 04, 2020 |
| Instrument | 2020063288 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Venture |
| Address | 120 MAIN ST APT 345, 345, SACO, ME 04072-3538 |
| Document Number | 2020063289 |
|---|---|
| Date | Dec 08, 2020 |
| Instrument | 2020063289 |
| Name | HARBORONE MORTGAGE |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACO ME |
| Property Address | 46 OAK ST, SACO, ME 04072-2517 |
| Document Number | 0178120677 |
| Instrument Date | Aug 31, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2019 |
| Name | Verified Name |
|---|---|
| Address | 46 OAK ST SACO ME 040722517, SACO, ME 04072-2517 |
| Document Number | 0178120677 |
|---|---|
| Date | Oct 01, 2018 |
| Book Page | 017812/000677 |
| Instrument | 41319 |
| Name | STATE CHARTERED CU |
|---|---|
| Type | Credit Union |
| Address | ORONO, ME 04473 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Sep 30, 2028 |
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 | $4,100.00 (-1.49%) | $288,700 (-2.53%) Land $120,100 Building $168,600 | |
| 2024 | $4,162.00 (+3.92%) | $296,200 (+35.56%) Land $120,100 Building $176,100 | $284,620 |
| 2022 | $4,005.00 | $218,500 Land $91,600 Building $126,900 |
Source: FEMA National Flood Hazard Layer as of April 16, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 97% of the US · lower than 98.5% of Maine |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; 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) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Consolidated Communications Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: Verizon.
Based on FCC filings for 315 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System 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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