87 Elm St, Saco, ME 04072 Property Records

York County and Saco City property record for 87 Elm St, Saco, ME 04072

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,693 sqft · built 1836
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on Record
Last Sale	$180,800 (Mar 2013)
Tax Bill	$4,029 (2025)
Deeds & Mortgages	Oct 2016 Mortgage Oct 2016 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`L1949R`

Property Details

APN / Parcel Number

Primary APN	`L1949R`
Alternative APNs	`SACO M:038 L:120 U:000-000` `M:038 L:120 U:000=000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,693 sqft Living Area
Gross Area	2,933 sqft
1st Floor Area	1,305 sqft
Basement Area	776 sqft
Unfinished Basement	776 sqft

Exterior

Year Built	Built 1836
Effective Year Built	Effective 1836
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,356 sqft (0.1 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	L1949R
Street Address	87 ELM ST
City	SACO
State	ME
Zip	04072-2710
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HDR
Legal Lot Number	120
Jurisdiction	SACO ME
Township / Civil Division	SACO
Census Block Group	3
Census Block	3006
Census Tract	5301

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 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.

Owner

Source: York County and Saco City records, as of July 30, 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	87 ELM ST, SACO, ME 04072-2710
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2016	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Oct 19, 2016	Loan Modification, Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2013 · Amount on Record
Deed Sale	Mar 5, 2013 · Amount on Record
Prior Sale	Mar 24, 2010 · Amount on Record
Deed Document Number	201310563
Deed Book / Page	16545 / 248
Transfer Doc	15793-0471
Record Updated	Oct 29, 2026

October 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACO ME
Property Address	87 ELM ST, SACO, ME 04072-2710
Document Number	0174390086
Instrument Date	Oct 19, 2016
Transaction Type	Mortgage
Record Updated	Apr 6, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	87 ELM ST SACO ME 040722710, SACO, ME 04072-2710

Mortgage

Document Number	0174390086
Date	Mar 20, 2017
Book Page	017439/000086
Instrument	10514

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410-8000

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 19, 2047

October 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SACO ME
Property Address	87 ELM ST, SACO, ME 04072-2710
Document Number	0174480313
Instrument Date	Oct 19, 2016
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	87 ELM ST SACO ME 040722710, SACO, ME 04072-2710

Mortgage

Document Number	0174480313
Date	Apr 5, 2017
Book Page	017448/000313
Instrument	12658

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 4, 2047

Interest

Rate Type	Fixed Rate
Rate	3.75%

Tax Assessment & Valuation

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	$4,029.00 (+1.05%)	$283,700 (-0.04%) Land $134,400 Building $149,300
2024	$3,987.00 (+4.73%)	$283,800 (+36.64%) Land $134,400 Building $149,400	$358,340
2022	$3,807.00	$207,700 Land $102,500 Building $105,200

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

Flood

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	3 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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

Provider	Max Down / Up (Mbps)
Fidium Fiber 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.

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