46 Richards Way, Saco, ME 04072 Property Records

York County and Saco City property record for 46 Richards Way, Saco, ME 04072

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,904 sqft · built 2011
Lot Size	0.56 acres (24,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$466,900 (Jul 2018)
Tax Bill	$8,135 (2025)
Deeds & Mortgages	Mar 2022 Refinance Jul 2017 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`SACO M:023 L:006 U:000-007`

Property Details

APN / Parcel Number

Primary APN	`SACO M:023 L:006 U:000-007`
Alternative APN	`M:023 L:006 U:000=007`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,904 sqft Living Area
Gross Area	3,852 sqft
1st Floor Area	952 sqft
Basement Area	952 sqft
Unfinished Basement	952 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,405 sqft (0.56 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	46 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
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 May 22, 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	46 RICHARDS WAY, SACO, ME 04072-2165
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK
Jul 19, 2017	Deed of Trust, Mortgage TD BANK NA
May 13, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Oct 25, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK
Sep 23, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK
Jul 25, 2018	Warranty Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2018 · Amount on Record
Deed Sale	Jul 25, 2018 · Amount on Record
Prior Sale	Mar 17, 2011 · Amount on Record
Deed Document Number	201829224
Deed Book / Page	17762 / 379
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	46 RICHARDS WAY, SACO, ME 04072-2165
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0189760224
Date	Mar 14, 2022
Book Page	18976/224
Instrument	2022011698

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	265 Months
Due	Apr 1, 2044

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	46 RICHARDS WAY, SACO, ME 04072-2165
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0175180603
Date	Jul 19, 2017
Book Page	17518/0603
Instrument	2017028167

Lender

Name	TD BANK NA

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2047

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	46 RICHARDS WAY, SACO, ME 04072-2165
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0179470803
Date	May 13, 2019
Book Page	17947/803
Instrument	2019016758

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	46 RICHARDS WAY, SACO, ME 04072-2165
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180800778
Date	Oct 25, 2019
Book Page	18080/778
Instrument	2019045691

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	265 Months
Due	Nov 1, 2041

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	46 RICHARDS WAY, SACO, ME 04072-2165
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180510872
Date	Sep 23, 2019
Book Page	18051/872
Instrument	2019040177

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SACO ME
Recording Date	Jul 25, 2018
Property Address	46 RICHARDS WAY, SACO, ME 04072-2165
Document Number	0177620379
Book / Page	017762 / 000379
Instrument Date	Jul 20, 2018
Instrument	29224
Transaction Type	Transfer
Record Updated	Sep 21, 2018
Title Company	RED DOOR TITLE

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	46 RICHARDS WAY SACO ME 040722165, SACO, ME 04072-2165

Mortgage

Document Number	177620385
Date	Jul 25, 2018
Book Page	017762/000385
Instrument	29225

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, ME 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 2048

Tax Assessment & Valuation

Source: York County and Saco City assessment roll, as of May 22, 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	$8,135.00 (+1.07%)	$572,900 (-) Land $183,000 Building $389,900
2024	$8,049.00 (+7.29%)	$572,900 (+39.97%) Land $183,000 Building $389,900	$693,215
2022	$7,502.00	$409,300 Land $139,600 Building $269,700

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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