York County and Saco City property record for 86 Elm St, Saco, ME 04072 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 3,304 sqft · built 1878 |
| Lot Size | 0.83 acres (36,155 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,549 (2025) |
| Deeds & Mortgages | Mar 2019 Refinance Mar 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | P3519R |
| Primary APN | P3519R |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,304 sqft Living Area |
| Gross Area | 5,762 sqft |
| 1st Floor Area | 1,992 sqft |
| Basement Area | 1,992 sqft |
| Unfinished Basement | 1,992 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1878 |
|---|---|
| Effective Year Built | Effective 1878 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 36,155 sqft (0.83 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | P3519R |
|---|---|
| Street Address | 86 ELM ST |
| City | SACO |
| State | ME |
| Zip | 04072-2709 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | 138 |
| Jurisdiction | SACO ME |
| Township / Civil Division | SACO |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 5301 |
Source: York County and Saco City records · APN P3519R
Assessment roll updated July 30, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 86 ELM ST, SACO, ME 04072-2709 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 06, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance SACO & BIDDEFORD SAVINGS |
| Mar 06, 2019 | Deed of Trust, Mortgage · Balloon Mortgage SACO & BIDDEFORD SAVINGS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACO ME |
| Property Address | 86 ELM ST, SACO, ME 04072-2709 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0179050880 |
|---|---|
| Date | Mar 06, 2019 |
| Book Page | 17905/880 |
| Instrument | 2019007679 |
| Name | SACO & BIDDEFORD SAVINGS |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 01, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACO ME |
| Property Address | 86 ELM ST, SACO, ME 04072-2709 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0179050892 |
|---|---|
| Date | Mar 06, 2019 |
| Book Page | 17905/892 |
| Instrument | 2019007680 |
| Name | SACO & BIDDEFORD SAVINGS |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 01, 2039 |
Source: York County and Saco City records · Assessment roll updated July 30, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maine |
| County | York County |
| Municipality | Saco City |
| Unified School District | Saco Public Schools (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,549.00 (+0.83%) | $531,600 (-0.24%) Land $98,000 Building $433,600 | |
| 2024 | $7,487.00 (+6.46%) | $532,900 (+38.88%) Land $98,000 Building $434,900 | $545,300 |
| 2022 | $7,033.00 | $383,700 Land $74,500 Building $309,200 |
Source: FEMA National Flood Hazard Layer, York County (23031C), updated April 16, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 230310053013, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 3 in force |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| 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 · August 1, 2026 release · 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, availability as of December 31, 2025 · Published October 2026 · based on 373 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Consolidated Communications | Fiber | 2,000 / 2,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: GoNetspeed, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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