81 Prospect St, Biddeford, ME 04005 Property Records

York County and Biddeford City property record for 81 Prospect St, Biddeford, ME 04005

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,207 sqft · built 1920
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$198,800 (Nov 2012)
Tax Bill	$5,459 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Nov 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BIDD M:34 L:312`

Property Details

APN / Parcel Number

Primary APN	`BIDD M:34 L:312`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	13 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,207 sqft Living Area
Gross Area	3,385 sqft
1st Floor Area	1,191 sqft
Basement Area	884 sqft
Unfinished Basement	884 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	6,534 sqft (0.15 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	81 PROSPECT ST
City	BIDDEFORD
State	ME
Zip	04005-3536
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Legal Lot Number	312
Jurisdiction	BIDDEFORD ME
Township / Civil Division	BIDDEFORD
Census Block Group	2
Census Block	2018
Census Tract	25205

Owner

Source: York County and Biddeford City records, as of September 15, 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 Record
Mailing Address	81 PROSPECT ST, BIDDEFORD, ME 04005-3536
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2026	Deed of Trust, Mortgage · Line of Credit PNC BANK
Nov 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Dec 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 26, 2012 · Amount on Record
Deed Sale	Nov 26, 2012 · Amount on Record
Deed Document Number	201255335
Deed Book / Page	16468 / 81
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Recording Date	Sep 1, 2026
Property Address	81 PROSPECT ST, BIDDEFORD, ME 04005-3536
Document Number	0000033488
Book / Page	19984 / 549
Instrument Date	Aug 21, 2026
Instrument	202633488
Transaction Type	Mortgage
Record Updated	Sep 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 PROSPECT ST, BIDDEFORD, ME 04005-3536

Mortgage

Document Number	0000033488,
Date	Sep 1, 2026
Book Page	19984/549
Instrument	202633488

Lender

Name	PNC BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Oct 1, 2066

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Property Address	81 PROSPECT ST, BIDDEFORD, ME 04005-3536
Transaction Type	Mortgage
Record Updated	Nov 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0184540078
Date	Nov 18, 2020
Book Page	18454/78
Instrument	2020059131

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BIDDEFORD ME
Property Address	81 PROSPECT ST, BIDDEFORD, ME 04005-3536
Transaction Type	Mortgage
Record Updated	Nov 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0189130723
Date	Dec 30, 2021
Book Page	18913/723
Instrument	2021074476

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2042

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	$5,459.00 (+6.29%)	$365,400 (+1.16%) Land $135,600 Building $229,800
2024	$5,136.00 (+10.12%)	$361,200 (+1.6%) Land $135,600 Building $225,600
2023	$4,664.00 (+16.8%)	$355,500 (+46.12%) Land $133,200 Building $222,300
2022	$3,993.00	$243,300 Land $73,900 Building $169,400

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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

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

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Fidium Fiber Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Great Works Internet, Verizon.

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