78 Watson Mill Rd, Saco, ME 04072 Property Records

York County and Saco City property record for 78 Watson Mill Rd, Saco, ME 04072

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,163 sqft · built 1976
Lot Size	1.7 acres (74,052 sqft)
Owner	Individual Name on File
Tax Bill	$5,679 (2025)
Deeds & Mortgages	Dec 2025 Reverse Mortgage Dec 2025 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`H0770R`

Property Details

APN / Parcel Number

Primary APN	`H0770R`
Alternative APNs	`SACO M:111 L:004 U:001-000` `M:111 L:004 U:001=000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,163 sqft Living Area
Gross Area	3,611 sqft
1st Floor Area	1,163 sqft
Basement Area	864 sqft
Unfinished Basement	336 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	74,052 sqft (1.7 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	H0770R
Street Address	78 WATSON MILL RD
City	SACO
State	ME
Zip	04072-9351
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Lot Number	4
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	1
Census Block	1024
Census Tract	5100

Owner

78 Watson Mill Rd is owned and occupied by an individual.

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	Individual Name on File
Mailing Address	78 WATSON MILL RD, SACO, ME 04072-9351
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2025	Deed of Trust, Mortgage · Reverse Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Dec 17, 2025	Deed of Trust, Mortgage · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE
May 11, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK OF RHODE ISLAND
Nov 17, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	78 WATSON MILL RD, SACO, ME 04072-9351
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0198080442
Date	Dec 17, 2025
Book Page	19808/442
Instrument	2025045757

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	853 Months
Due	Jan 1, 2097

Interest

Rate Type	Adjustable Rate

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	78 WATSON MILL RD, SACO, ME 04072-9351
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0198080429
Date	Dec 17, 2025
Book Page	19808/429
Instrument	2025045756

Lender

Name	MUTUAL OF OMAHA MORTGAGE

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	853 Months
Due	Jan 1, 2097

Interest

Rate Type	Adjustable Rate

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	78 WATSON MILL RD, SACO, ME 04072-9351
Transaction Type	Mortgage
Record Updated	May 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190230129
Date	May 11, 2022
Book Page	19023/129
Instrument	2022020548

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	78 WATSON MILL RD, SACO, ME 04072-9351
Document Number	0176290836
Book / Page	017629 / 000836
Instrument Date	Nov 17, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 WATSON MILL RD SACO ME 040729351, SACO, ME 04072-9351

Mortgage

Document Number	0176290836
Date	Dec 20, 2017
Book Page	017629/000836
Instrument	54076

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 19, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 78 Watson Mill Rd was $5,679, up 1.2% 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	$5,679.00 (+1.18%)	$399,900 (+0.1%) Land $146,400 Building $253,500
2024	$5,613.00	$399,500 Land $148,100 Building $251,400	$393,775
2022	$5,270.00	$287,500 Land $112,800 Building $174,700

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

Flood

FEMA maps place 78 Watson Mill 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

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 78 Watson Mill 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 40 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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