York County and Saco City property record for 77 Elm St, Saco, ME 04072
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 2 ba · 2,960 sqft · built 1828 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Individual Name on File |
| Last Sale | $515,000 (Apr 2023) |
| Tax Bill | $6,479 (2025) |
| Deeds & Mortgages | Apr 2021 Refinance Apr 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | L0910R |
| Primary APN | L0910R |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,960 sqft Living Area |
| Gross Area | 6,372 sqft |
| 1st Floor Area | 1,418 sqft |
| Attic | Attic |
| Attic Area | 768 sqft |
| Basement Area | 1,418 sqft |
| Unfinished Basement | 1,418 sqft |
| Year Built | Built 1828 |
|---|---|
| Effective Year Built | Effective 1828 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,792 sqft (0.11 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | L0910R |
|---|---|
| Street Address | 77 ELM ST |
| City | SACO |
| State | ME |
| Zip | 04072-2988 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | D |
| Legal Lot Number | 110 |
| Jurisdiction | SACO ME |
| Township / Civil Division | SACO |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 5301 |
Source: York County and Saco City records · APN L0910R
Assessment roll updated May 22, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 77 ELM ST, SACO, ME 04072-2988 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 14, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK |
| Apr 19, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage SACO & BIDDEFORD SAVINGS |
| Feb 03, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK |
| Nov 06, 2017 | Warranty Deed, Transfer BANGOR SAVINGS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 19, 2023 · Amount on Record |
| Deed Sale | Apr 19, 2023 · Amount on Record |
| Prior Sale | Nov 06, 2017 · Amount on Record |
| Deed Document Number | 202310087 |
| Deed Book / Page | 19224 / 435 |
| Transfer Doc | 0172100509 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACO ME |
| Property Address | 77 ELM ST, SACO, ME 04072-2988 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0186280663 |
|---|---|
| Date | Apr 14, 2021 |
| Book Page | 18628/663 |
| Instrument | 2021021405 |
| Name | BANGOR SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SACO ME |
| Recording Date | Apr 19, 2023 |
| Property Address | 77 ELM ST, SACO, ME 04072-2988 |
| Document Number | 0192240435 |
| Book / Page | 19224 / 435 |
| Instrument Date | Apr 18, 2023 |
| Instrument | 2023010087 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Venture |
| Address | 14 ARBUTUS AVE, S PORTLAND, ME 04106-4428 |
| Document Number | 2023010088 |
|---|---|
| Date | Apr 19, 2023 |
| Instrument | 2023010088 |
| Name | SACO & BIDDEFORD SAVINGS |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACO ME |
| Property Address | 77 ELM ST, SACO, ME 04072-2988 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0181620186 |
|---|---|
| Date | Feb 03, 2020 |
| Book Page | 18162/186 |
| Instrument | 2020005535 |
| Name | BANGOR SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SACO ME |
| Recording Date | Nov 06, 2017 |
| Property Address | 77 ELM ST, SACO, ME 04072-2988 |
| Document Number | 0175980476 |
| Book / Page | 17598 / 0476 |
| Instrument | 2017047343 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 2017047344 |
|---|---|
| Date | Nov 06, 2017 |
| Instrument | 2017047344 |
| Name | BANGOR SAVINGS BANK |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 06, 2047 |
Source: York County and Saco City records · Assessment roll updated May 22, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Maine |
| County | York County |
| Municipality | Saco City |
| Unified School District | Saco Public Schools (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $6,479.00 (+1.01%) | $456,300 (-0.04%) Land $120,100 Building $336,200 |
| 2024 | $6,414.00 (+11.51%) | $456,500 (+45.47%) Land $120,100 Building $336,400 |
| 2022 | $5,752.00 | $313,800 Land $91,600 Building $222,200 |
Source: FEMA National Flood Hazard Layer as of April 16, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 | 3 in force |
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of Maine |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026
| Historic District | Within the Saco Historic District listed 1998 · 184 contributing resources · NRIS 98000594 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Consolidated Communications Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: GoNetspeed.
Based on FCC filings for 373 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MAINE WATER COMPANY BIDDEFORD SACO DIV private · serves 42,508 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures