76 Smutty Ln, Saco, ME 04072 Property Records

York County and Saco City property record for 76 Smutty Ln, Saco, ME 04072

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 924 sqft · built 1976
Lot Size	1.58 acres (68,947 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,189 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Sep 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`Y0247R`

Property Details

APN / Parcel Number

Primary APN	`Y0247R`
Alternative APNs	`SACO M:105 L:021 U:000-000` `M:105 L:021 U:000=000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	924 sqft Living Area
Gross Area	2,820 sqft
1st Floor Area	864 sqft
Basement Area	792 sqft
Unfinished Basement	792 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	68,947 sqft (1.58 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	Y0247R
Street Address	76 SMUTTY LN
City	SACO
State	ME
Zip	04072-9719
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Subdivision	SUNNY ACRES
Legal Lot Number	21
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	3
Census Block	3006
Census Tract	5100

Owner

76 Smutty Ln, a single family home, is owned by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 1452, SACO, ME 04072-1452
Owner Type	Individual

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
Dec 30, 2025	Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Sep 15, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) PEOPLESCHOICE CREDIT UNION
Jul 20, 2021	Deed of Trust, Mortgage · Line of Credit PEOPLESCHOICE CREDIT UNION
Feb 21, 2018	Deed of Trust, Mortgage FRANKLIN AMER MTG

Assessor's Deed Record

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

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	76 SMUTTY LN, SACO, ME 04072-9719
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0198150701
Date	Dec 30, 2025
Book Page	19815/701
Instrument	2025047079

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2055

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	76 SMUTTY LN, SACO, ME 04072-9719
Transaction Type	Mortgage
Record Updated	Oct 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0193120558
Date	Sep 15, 2023
Book Page	19312/558
Instrument	2023029027

Lender

Name	PEOPLESCHOICE CREDIT UNION

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2038

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	76 SMUTTY LN, SACO, ME 04072-9719
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0187390498
Date	Jul 20, 2021
Book Page	18739/498
Instrument	2021041496

Lender

Name	PEOPLESCHOICE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	76 SMUTTY LN, SACO, ME 04072-9719
Transaction Type	Mortgage
Record Updated	Jul 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0176640321
Date	Feb 21, 2018
Book Page	17664/0321
Instrument	2018006792

Lender

Name	FRANKLIN AMER MTG

Agreement

Amount	Amount on Record
Term	180 Months
Due	Feb 21, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 76 Smutty Ln was $5,189, up 3.4% 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	$5,189.00 (+3.45%)	$365,400 (+2.35%) Land $158,900 Building $206,500
2024	$5,016.00	$357,000 Land $158,900 Building $198,100	$386,270
2022	$4,753.00	$259,300 Land $120,900 Building $138,400

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

Flood

FEMA maps place 76 Smutty Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1987.

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	1 (1987)
Most Recent Claim	Apr 1987 · Severe Storms & 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

Wildfire risk around 76 Smutty Ln 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 36 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 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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