10 Turtle Cove Dr, Gray, ME 04039 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,764 sqft · built 1991
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Tax Bill	$7,620 (2025)
Deeds & Mortgages	Feb 2019 Mortgage Feb 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`L11022000000`

Property Details

APN / Parcel Number

Primary APN	`L11022000000`
Alternative APNs	`GRAY M:024 B:311 L:022-000` `3878`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,764 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	21,780 sqft (0.5 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	3878
Street Address	10 TURTLE COVE DR
City	GRAY
State	ME
Zip	04039-6618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Subdivision	TURTLE COVE
Legal Block	311
Legal Lot Number	22-0
Jurisdiction	GRAY ME
Township / Civil Division	GRAY
Census Block Group	3
Census Block	3007
Census Tract	4701

Owner

10 Turtle Cove Dr is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	10 TURTLE COVE DR, GRAY, ME 04039-6618
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 11, 2019	Deed of Trust, Mortgage EVERGREEN CU
Feb 11, 2019	Deed of Trust, Mortgage EVERGREEN CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	10 TURTLE COVE DR, GRAY, ME 04039-6618
Document Number	0354720052
Instrument Date	Feb 11, 2019
Transaction Type	Mortgage
Record Updated	Mar 7, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 TURTLE COVE DR GRAY ME 040396618, GRAY, ME 04039-6618

Mortgage

Document Number	0354720052
Date	Feb 21, 2019
Book Page	035472/000052
Instrument	7037

Lender

Name	EVERGREEN CU
Type	Credit Union

Agreement

Amount	Amount on Record

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	10 TURTLE COVE DR, GRAY, ME 04039-6618
Document Number	0354720050
Instrument Date	Feb 11, 2019
Transaction Type	Mortgage
Record Updated	Mar 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 TURTLE COVE DR GRAY ME 040396618, GRAY, ME 04039-6618

Mortgage

Document Number	0354720050
Date	Feb 21, 2019
Book Page	035472/000050
Instrument	7037

Lender

Name	EVERGREEN CU
Type	Credit Union

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 10 Turtle Cove Dr was $7,620.

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	$7,620.00	$787,200 Land $420,000 Building $367,200
2023	$6,523.00 (+8.83%)	$429,700 (-) Land $200,000 Building $229,700
2022	$5,994.00	$429,700 Land $200,000 Building $229,700

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

Flood

FEMA maps place 10 Turtle Cove Dr in Zone X, an area of minimal flood risk, within 100 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 100 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 Turtle Cove 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 93% of the US · lower than 93% 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.

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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