631 Elm St, Biddeford, ME 04005 Property Records

York County and Biddeford City property record for 631 Elm St, Biddeford, ME 04005

Property Summary

Property Type	Auto Repair, Garage
Details	2 ba · 18,984 sqft · built 2003
Lot Size	3.24 acres (141,134 sqft)
Owner	Company Name on Record
Tax Bill	$21,225 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Feb 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`BIDD M:15 L:7-2`

Property Details

APN / Parcel Number

Primary APN	`BIDD M:15 L:7-2`
Alternative APNs	`M:15 L:7=2` `150070020`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	18,984 sqft Total Area
Gross Area	19,584 sqft
1st Floor Area	16,938 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	141,134 sqft (3.24 acres)

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Gas

Location & Zoning

Account Number	150070020
Street Address	631 ELM ST
City	BIDDEFORD
State	ME
Zip	04005-4406
Property Category	Commercial
Property Type	Commercial > Retail > Auto Repair, Garage
Local Zoning Code	I1
Legal Lot Number	7-2
Jurisdiction	BIDDEFORD ME
Township / Civil Division	BIDDEFORD
Census Block Group	1
Census Block	1019
Census Tract	25100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	200 NARRAGANSETT ST, GORHAM, ME 04038-2050
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2017	Deed of Trust, Mortgage · Commercial Mortgage NORWAY SAVINGS BANK
Feb 10, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NORWAY SAVINGS BANK
Dec 12, 2019	Deed of Trust, Mortgage · Line of Credit NORWAY SVGS BK
Jun 7, 2017	Deed of Trust, Mortgage · Line of Credit NORWAY SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Property Address	631 ELM ST, BIDDEFORD, ME 04005-4406
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0174920037
Date	Jun 12, 2017
Book Page	17492/0037
Instrument	2017022018

Lender

Name	NORWAY SAVINGS BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Property Address	631 ELM ST, BIDDEFORD, ME 04005-4406
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0181670270
Date	Feb 10, 2020
Book Page	18167/270
Instrument	2020006650

Lender

Name	NORWAY SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Property Address	631 ELM ST, BIDDEFORD, ME 04005-4406
Document Number	0181250597
Instrument Date	Dec 12, 2019
Transaction Type	Mortgage
Record Updated	Jan 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	200 NARRAGANSETT ST GORHAM ME 040382050, GORHAM, ME 04038-2050

Mortgage

Document Number	0181250597
Date	Dec 18, 2019
Book Page	018125/000597
Instrument	54314

Lender

Name	NORWAY SVGS BK
Type	Federal Savings Bank
Address	PORTLAND, ME 04104

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Property Address	631 ELM ST, BIDDEFORD, ME 04005-4406
Document Number	0174920069
Instrument Date	Jun 7, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	200 NARRAGANSETT ST GORHAM ME 040382050, GORHAM, ME 04038-2050

Mortgage

Document Number	0174920069
Date	Jun 12, 2017
Book Page	017492/000069
Instrument	22022

Lender

Name	NORWAY SVGS BK
Type	Federal Savings Bank
Address	PORTLAND, ME 04104

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: York County and Biddeford City assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	York County
Municipality	Biddeford City
Unified School District	Biddeford (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$21,225.00 (+6.87%)	$1,420,700 (+1.72%) Land $146,200 Building $1,274,500
2024	$19,861.00 (+8.38%)	$1,396,700 (-) Land $146,200 Building $1,250,500
2023	$18,325.00 (+20.55%)	$1,396,700 (+50.78%) Land $146,200 Building $1,250,500
2022	$15,201.00	$926,300 Land $114,500 Building $811,800

Assessed value is set for property tax purposes and is not a market price estimate.

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
Nearby Flood Claims	3 (1981–2007)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Apr 2007 · Severe Storms And Inland And Coastal Flooding

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.

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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: GoNetspeed, T-Mobile.

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