Saco, ME
York County43.5007°N, 70.4430°W
Tracking 7,112 properties across Saco, Maine — a community where the median home dates to 1977 and the oldest to 1727. Every parcel mapped with building characteristics, environmental exposure, hazard risk, and ownership history assembled from 140+ sources.
7,112
Properties Tracked
1977
Median Year Built
$217K
Median Assessed Value
7%
FEMA Flood Zone
1.79M
NEP Data Facts Tracked
43%
Coastal Zone
Click any parcel to view intelligence
Saco, MEInc. 1630
Saco is a small city on the Saco River, directly across from Biddeford. The city has a well-defined downtown with historic commercial buildings, residential neighborhoods ranging from dense multi-family near the center to suburban single-family on the periphery, and a stretch of coastline that includes Ferry Beach. The Saco River creates significant flood zone exposure through the center.
For property professionals, Saco is a moderate, diverse market with river flood exposure, coastal considerations along the beach, and a housing stock that spans from older downtown multi-family to suburban single-family. The city's ongoing development alongside Biddeford's creates a dynamic market environment.
Risk Profile
FEMA flood zones, fire protection grades, radon, coastal exposure, storm surge — parcel by parcel
FEMA Flood Zones
511 properties (7%) are in FEMA Special Flood Hazard Areas, where flood insurance is required for federally-backed mortgages.
X
6,601
AE
395
VE
97
A
19
Fire Protection Grades
Fire protection grades reflect proximity to fire stations and hydrant infrastructure. Grade affects insurance pricing in every New England state.
Grade A
847
Grade B
2,609
Grade C
1,849
Grade D
913
Grade E
894
Coastal & Water Exposure
3,045 properties (43%) are within 3 miles of the ocean. 913 are classified as waterfront. The closest property is 0 ft from the coastline.
265
SLR 1 ft
Properties affected
319
SLR 3 ft
Properties affected
526
SLR 6 ft
Properties affected
900
Surge Exposure
Cat 1/2/3/4
278
Estuary
Waterfront
260
Pond
Waterfront
173
Marine
Waterfront
Zone 2
Radon Risk
112 mph
Design Wind Speed
ASCE 7 standard
50 psf
Ground Snow Load
ASCE 7 standard
Relatively Low
FEMA Risk Index
NRI composite rating
The Property Landscape
7,112 properties · Median year built 1977 · Avg 1,084 sf
Property Types
Single Family
5,848
Institutional
692
Other
198
Industrial
167
Commercial
114
Agricultural / Open Space
67
Mixed Use
26
Construction by Era
Pre-1800
25
1800-1849
76
1850-1899
258
1900-1949
597
1950-1979
917
1980-1999
1,061
2000+
588
Market Activity
Recorded transactions from York County Registry of Deeds
64%
Owner-Occupied
8%
Out-of-State Owners
NE Provenance tracks recorded deeds, mortgages, and liens for 98% of Saco properties. Ownership intelligence includes transaction history, entity detection, portfolio identification, and lien analysis — assembled from public registry records into a single property-level profile.
Living in Saco
York County · Maine
Zip Codes04064040720407404093
20,381
Population
2020 Census
7,112
Properties
$217K
Median Assessed
64%
Owner-Occupied
38.6
Square Miles
Saco covers 38.6 square miles in York County, Maine. The median assessed property value is $217K.
Single-family homes account for 5,848 of Saco's 7,112 properties. There are 114 commercial properties. About 64% of properties are owner-occupied, and 8% are owned by someone out of state.
Assessed values range widely — the middle 50% of properties fall between $167K and $299K, with the highest assessed property at $11.9M. For professionals working in this market, the value spread tells you a lot about what you'll encounter door to door.
72% of properties are on municipal sewer, with the remainder on private septic systems, and 74% have public water service. Electric service is provided by CENTRAL MAINE POWER CO. 579 properties have identified commercial activity — restaurants, retail, professional offices, and services that give Saco its character.
What Saco Property Intelligence Means for Professionals
Insurance & Underwriting
With 7% of properties in FEMA flood zones and 43% in the coastal zone, Saco concentrates several major underwriting variables. Parcel-level hazard data provides the granularity that ZIP-level aggregation misses.
Insurance solutionsReal Estate & Appraisal
Saco's 7 property types, spanning construction from 1727 to present, require local market knowledge for accurate comparable selection and valuation. NEP assembles building characteristics, environmental exposure, and condition signals into a single property profile.
Real estate solutionsLending & Title
Collateral assessment requires flood zone verification, environmental screening, and ownership chain validation. 7% of Saco properties are in SFHAs where flood insurance is a federal lending requirement. NEP provides property-level compliance data from public records.
Lending solutionsInspection & Property Services
Understanding a property's construction era, environmental exposure, and building characteristics before arriving on site transforms inspection from discovery to verification.
Inspection solutionsExplore Saco property intelligence.
7,112 Saco properties — each with risk profiles, building data, permit history, and ownership analysis from 140+ sources. Open any property and see the full picture.
Newburyport, MA · Federalist · 3,524 sq ft · 4 bed / 3 bath · Built 1800 · Historic District
NEP Property Intelligence Summary
ConditionC1Fire ClassBFlood ZoneXOwnerIndividualOccupancyOwner-Occupied
Purchased2018 (8yr)Permits11 totalSystems3 updatedLiensClearAssessed$1.6MOcean0.3 mi
EraPre-1940HistoricDesignatedRenovationRecentRadonZone 1
Cite this data
Source: NE Provenance, “Professional Property Intelligence for New England,” neprovenance.com/insights/town/saco-me. For references or attribution, please link back to this page or neprovenance.com. Thank you, we appreciate it.