1 Rays Cir, Scarborough, ME 04074 Property Records

Cumberland County and Scarborough Town property record for 1 Rays Cir, Scarborough, ME 04074

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,304 sqft · built 1993
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on Record
Last Sale	$579,400 (Aug 2020)
Tax Bill	$7,476 (2025)
Deeds & Mortgages	Apr 2023 Refinance Feb 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R0931218`

Property Details

APN / Parcel Number

Primary APN	`R0931218`
Alternative APNs	`SCAR M:R093 L:1218` `7121`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,304 sqft Living Area
Gross Area	5,056 sqft
1st Floor Area	936 sqft
Attic	Attic
Attic Area	936 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	7121
Street Address	1 RAYS CIR
City	SCARBOROUGH
State	ME
Zip	04074-7801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	12
Legal Subdivision	PLEASANT HILLS PH 5
Legal Lot Number	1218
Jurisdiction	SCARBOROUGH ME
Township / Civil Division	SCARBOROUGH
Census Block Group	1
Census Block	1002
Census Tract	17303

Owner

Source: Cumberland County and Scarborough Town 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	2 Individual Names on Record
Mailing Address	1 RAYS CIR, SCARBOROUGH, ME 04074-7801
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance CUMBERLAND COUNTY FCU
Feb 18, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BETTER MORTGAGE CORP
Aug 17, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC
Nov 30, 2018	Deed of Trust, Mortgage EVERGREEN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2020 · Amount on Record
Deed Sale	Aug 17, 2020 · Amount on Record
Prior Sale	Aug 1, 2008 · Amount on Record
Deed Document Number	202049494
Deed Book / Page	37062 / 35
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCARBOROUGH ME
Property Address	1 RAYS CIR, SCARBOROUGH, ME 04074-7801
Transaction Type	Mortgage
Record Updated	May 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0400790294
Date	Apr 18, 2023
Book Page	40079/294
Instrument	11595

Lender

Name	CUMBERLAND COUNTY FCU

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCARBOROUGH ME
Property Address	1 RAYS CIR, SCARBOROUGH, ME 04074-7801
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0378280001
Date	Feb 18, 2021
Book Page	37828/1
Instrument	11568

Lender

Name	BETTER MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCARBOROUGH ME
Recording Date	Aug 17, 2020
Property Address	1 RAYS CIR, SCARBOROUGH, ME 04074-7801
Document Number	0370620035
Book / Page	37062 / 35
Instrument Date	Aug 14, 2020
Instrument	49494
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 BRAMHALL ST, PORTLAND, ME 04102-3317

Mortgage

Document Number	49495
Date	Aug 17, 2020
Instrument	49495

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCARBOROUGH ME
Property Address	1 RAYS CIR, SCARBOROUGH, ME 04074-7801
Document Number	0353750041
Instrument Date	Nov 30, 2018
Transaction Type	Mortgage
Record Updated	Jan 21, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 RAYS CIR SCARBOROUGH ME 040747801, SCARBOROUGH, ME 04074-7801

Mortgage

Document Number	0353750041
Date	Dec 26, 2018
Book Page	035375/000041
Instrument	64956

Lender

Name	EVERGREEN CU
Type	Credit Union

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Cumberland County and Scarborough Town assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Scarborough Town
Unified School District	Scarborough (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$7,476.00 (+11.38%)	$659,800 (+56.98%) Land $209,800 Building $450,000
2023	$6,712.00 (+3.77%)	$420,300 (-) Land $140,700 Building $279,600
2022	$6,468.00	$420,300 Land $140,700 Building $279,600

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective June 3, 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
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	4 (1996–2023)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Nov 2023 · rainfall accumulation

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 80% of the US · above 53% of Maine
Wildfire Likelihood	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	PORTLAND WATER DISTRICT-GREATER serves 135,068 people · EPA ID ME0091300
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 268 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Fidium Fiber.

Cell Coverage

5G and 4G LTE (outdoors only)

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