474 Flag Pond Rd, Saco, ME 04072 Property Records

York County and Saco City property record for 474 Flag Pond Rd, Saco, ME 04072

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,640 sqft · built 2015
Lot Size	2.37 acres (103,237 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,988 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit May 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`J0645R`

Property Details

APN / Parcel Number

Primary APN	`J0645R`
Alternative APN	`SACO M:109 L:010 U:004-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,640 sqft Living Area
Gross Area	4,370 sqft
1st Floor Area	1,640 sqft
Basement Area	1,416 sqft
Unfinished Basement	1,416 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	103,237 sqft (2.37 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	J0645R
Street Address	474 FLAG POND RD
City	SACO
State	ME
Zip	04072-9635
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Lot Number	10
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	474 FLAG POND RD, SACO, ME 04072-9635
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2025	Deed of Trust, Mortgage · Line of Credit PEOPLESCHOICE CREDIT UNION
May 12, 2025	Deed of Trust, Mortgage · Line of Credit PEOPLESCHOICE CREDIT UNION
Aug 15, 2018	Quit Claim Deed, Transfer OTHER

Assessor's Deed Record

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

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	474 FLAG POND RD, SACO, ME 04072-9635
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0197900213
Date	Nov 20, 2025
Book Page	19790/213
Instrument	2025042407

Lender

Name	PEOPLESCHOICE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	474 FLAG POND RD, SACO, ME 04072-9635
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0196550503
Date	May 12, 2025
Book Page	19655/503
Instrument	2025014476

Lender

Name	PEOPLESCHOICE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

Interest

Rate Type	Adjustable Rate

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACO ME
Recording Date	Aug 15, 2018
Property Address	474 FLAG POND RD, SACO, ME 04072-9635
Document Number	0177790368
Book / Page	017779 / 000368
Instrument Date	Aug 6, 2018
Instrument	33515
Transaction Type	Transfer
Record Updated	Oct 4, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	474 FLAG POND RD SACO ME 040729635, SACO, ME 04072-9635

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	$6,988.00 (+1.07%)	$492,100 (-) Land $150,200 Building $341,900
2024	$6,914.00 (+6.98%)	$492,100 (+39.56%) Land $150,200 Building $341,900	$403,465
2022	$6,463.00	$352,600 Land $114,300 Building $238,300

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

4G LTE (outdoors only), no 5G reported

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