478 Flag Pond Rd, Saco, ME 04072 Property Records

York County and Saco City property record for 478 Flag Pond Rd, Saco, ME 04072

Property Summary

Property Type	Rural Home
Details	5 bd · 2 ba · 2,379 sqft · built 1938
Lot Size	24.9 acres (1,088,782 sqft)
Owner	2 Trust Names on File
Tax Bill	$6,854 (2025)
Deeds & Mortgages	Jul 2025 Line of Credit Dec 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`J0645R`

Property Details

APN / Parcel Number

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

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,379 sqft Living Area
Gross Area	6,424 sqft
1st Floor Area	1,304 sqft
Attic	Attic
Attic Area	896 sqft
Basement Area	1,304 sqft
Unfinished Basement	1,304 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,088,782 sqft (24.9 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	J0645R
Street Address	478 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	10
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	2
Census Block	2014
Census Tract	5100

Owner

478 Flag Pond Rd, a rural home, is owner-occupied and held in a trust since January 2025.

Source: York County and Saco City records, as of July 30, 2026

Owner of Record	2 Trust Names on File
Mailing Address	478 FLAG POND RD, SACO, ME 04072-9635
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2025	Deed of Trust, Mortgage · Line of Credit SACO & BIDDEFORD SAVINGS
Dec 12, 2023	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2015
Deed Sale	Jul 27, 2015
Deed Book / Page	17064 / 404
Last Transfer Date	Jan 24, 2025
Transfer Doc	0195970759
Record Updated	Sep 20, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	478 FLAG POND RD, SACO, ME 04072-9635
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0196880496
Date	Jul 1, 2025
Book Page	19688/496
Instrument	2025020789

Lender

Name	SACO & BIDDEFORD SAVINGS
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2045

Interest

Rate Type	Adjustable Rate

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACO ME
Recording Date	Dec 12, 2023
Property Address	478 FLAG POND RD, SACO, ME 04072-9635
Document Number	0193610111
Book / Page	19361 / 111
Instrument Date	Dec 12, 2023
Instrument	2023039230
Transaction Type	Transfer
Record Updated	Dec 25, 2023

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 FLAG POND RD, SACO, ME 04072-9635
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 478 Flag Pond Rd was $6,854, down 1.5% from the year before.

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	$6,854.00 (-1.49%)	$482,700 (-2.52%) Land $179,200 Building $303,500
2024	$6,958.00	$495,200 Land $178,800 Building $316,400	$501,410
2022	$6,791.00	$370,500 Land $136,300 Building $234,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 478 Flag Pond Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

Wildfire risk around 478 Flag Pond Rd is low, with a 0.01% annual chance of 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 2 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 and 4G LTE (outdoors only)

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