10 Eddy Dr, Gray, ME 04039 Property Records

Cumberland County and Gray Town property record for 10 Eddy Dr, Gray, ME 04039

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,452 sqft · built 2019
Lot Size	0.9 acres (39,204 sqft)
Owner	2 Individual Names on File
Tax Bill	$11,277 (2025)
Deeds & Mortgages	May 2019 Mortgage Oct 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`L11015000000`

Property Details

APN / Parcel Number

Primary APN	`L11015000000`
Alternative APNs	`GRAY M:024 B:311 L:015-000` `3872`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,452 sqft Living Area
Basement Area	512 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	39,204 sqft (0.9 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	3872
Street Address	10 EDDY DR
City	GRAY
State	ME
Zip	04039-6627
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Block	311
Legal Lot Number	15-0
Jurisdiction	GRAY ME
Township / Civil Division	GRAY
Census Block Group	3
Census Block	3007
Census Tract	4701

Owner

10 Eddy Dr is owned and occupied by two individuals.

Source: Cumberland County and Gray Town records, as of July 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10 EDDY DR, GRAY, ME 04039-6627
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 1, 2019	Deed of Trust, Mortgage · ARM KENNEBEC SAVINGS BANK
Oct 17, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance KENNEBEC SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	10 EDDY DR, GRAY, ME 04039-6627
Transaction Type	Mortgage
Record Updated	Feb 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0356130001
Date	May 1, 2019
Book Page	35613/1
Instrument	17686

Lender

Name	KENNEBEC SAVINGS BANK

Agreement

Type	ARM
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2039

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	May 1, 2022
Index	1-Year CMT
Margin	4

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	10 EDDY DR, GRAY, ME 04039-6627
Transaction Type	Mortgage
Record Updated	Feb 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0360810224
Date	Oct 17, 2019
Book Page	36081/224
Instrument	52472

Lender

Name	KENNEBEC SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	313 Months
Due	Nov 1, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 10 Eddy Dr was $11,277.

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

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Gray Town
Unified School District	School Administrative District 15 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$11,277.00	$1,165,000 Land $540,700 Building $624,300
2023	$9,475.00 (+8.81%)	$624,200 (-) Land $270,300 Building $353,900
2022	$8,708.00	$624,200 Land $270,300 Building $353,900

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

Flood

FEMA maps place 10 Eddy Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Wildfire risk around 10 Eddy Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 97.3% of Maine
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 61 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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