103 Cedar St, Belfast, ME 04915 Property Records

Waldo County and Belfast City property record for 103 Cedar St, Belfast, ME 04915

Property Summary

Property Type	Single Family Home
Details	4 ba · 720 sqft · built 1900
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$337,500 (Apr 2021)
Tax Bill	$7,268 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`BELF M:035 L:034`

Property Details

APN / Parcel Number

Primary APN	`BELF M:035 L:034`
Alternative APN	`2808`

Interior

Full Baths	4 Baths
Units	4 Units
Stories	3 Stories
Building Area	720 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	2808
Street Address	103 CEDAR ST
City	BELFAST
State	ME
Zip	04915-6179
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	34
Jurisdiction	BELFAST ME
Township / Civil Division	BELFAST
Census Block Group	4
Census Block	4020
Census Tract	43000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Belfast Historic District (Additional Documentation) listed 1986 · 69 contributing resources · NRIS 86002733

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Waldo County and Belfast City records, as of May 22, 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	26 BEECH HILL RD, NORTHPORT, ME 04849-3205
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage BANGOR SAVINGS BANK
Apr 3, 2020	Deed of Trust, Mortgage · Line of Credit CAMDEN NAT'L BK
Mar 29, 2019	Deed of Trust, Mortgage · Line of Credit CAMDEN NAT'L BK
Feb 23, 2018	Deed of Trust, Mortgage · Line of Credit CAMDEN NAT'L BK
Apr 14, 2017	Warranty Deed, Transfer · Line of Credit CAMDEN NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2021 · Amount on Record
Deed Sale	Apr 5, 2021 · Amount on Record
Prior Sale	Apr 14, 2017 · Amount on Record
Deed Document Number	20213206
Deed Book / Page	4630 / 99
Record Updated	Sep 20, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BELFAST ME
Recording Date	Apr 5, 2021
Property Address	103 CEDAR ST, BELFAST, ME 04915-6179
Document Number	0004630/99
Book / Page	4630 / 99
Instrument Date	Apr 2, 2021
Instrument	3206
Transaction Type	Transfer
Record Updated	Feb 2, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Venture
Address	26 BEECH HILL RD, NORTHPORT, ME 04849-3205
Investor	Possibly a Property Investor

Mortgage

Document Number	0020213207
Date	Apr 5, 2021
Instrument	2021-3207

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELFAST ME
Property Address	103 CEDAR ST, BELFAST, ME 04915-6179
Document Number	0044820206
Instrument Date	Apr 3, 2020
Transaction Type	Mortgage
Record Updated	May 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 BOSTON ST MIDDLETON MA 019492120, MIDDLETON, MA 01949-2120

Mortgage

Document Number	0044820206
Date	Apr 6, 2020
Book Page	004482/000206
Instrument	2579

Lender

Name	CAMDEN NAT'L BK
Type	Bank
Address	CAMDEN, ME 04843

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELFAST ME
Property Address	103 CEDAR ST, BELFAST, ME 04915-6179
Document Number	0043610069
Instrument Date	Mar 29, 2019
Transaction Type	Mortgage
Record Updated	Apr 19, 2019
Title Company	GATEWAY TITLE/ME

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 BOSTON ST MIDDLETON MA 019492120, MIDDLETON, MA 01949-2120

Mortgage

Document Number	0043610069
Date	Apr 2, 2019
Book Page	004361/000069
Instrument	2482

Lender

Name	CAMDEN NAT'L BK
Type	Bank
Address	CAMDEN, ME 04843

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELFAST ME
Property Address	103 CEDAR ST, BELFAST, ME 04915-6179
Document Number	0042490283
Instrument Date	Feb 23, 2018
Transaction Type	Mortgage
Record Updated	Mar 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 BOSTON ST MIDDLETON MA 019492120, MIDDLETON, MA 01949-2120

Mortgage

Document Number	0042490283
Date	Mar 12, 2018
Book Page	004249/000283
Instrument	1916

Lender

Name	CAMDEN NAT'L BK
Type	Bank
Address	CAMDEN, ME 04843

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BELFAST ME
Recording Date	Apr 14, 2017
Property Address	103 CEDAR ST, BELFAST, ME 04915-6179
Document Number	0041570137
Book / Page	004157 / 000137
Instrument Date	Apr 8, 2017
Instrument	2769
Transaction Type	Transfer
Record Updated	Apr 24, 2017

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	55 BOSTON ST MIDDLETON MA 019492120, MIDDLETON, MA 01949-2120

Mortgage

Document Number	41570138
Date	Apr 14, 2017
Book Page	004157/000138
Instrument	2770

Lender

Name	CAMDEN NAT'L BK
Type	Bank
Address	CAMDEN, ME 04843

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	41570151,
Date	Apr 14, 2017
Book Page	004157/000151
Instrument	2772

Lender

Name	CAMDEN NAT'L BK
Type	Bank
Address	CAMDEN, ME 04843

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Waldo County and Belfast City assessment roll, as of May 22, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Waldo County
Municipality	Belfast City
Unified School District	Regional School Unit 71 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$7,268.00 (+6.54%)	$444,800 (+0.41%) Land $180,300 Building $264,500
2024	$6,822.00 (+24.56%)	$443,000 (+62.57%) Land $180,300 Building $262,700
2023	$5,477.00 (-2.91%)	$272,500 (+3.38%) Land $94,800 Building $177,700
2022	$5,641.00	$263,600 Land $94,800 Building $168,800

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

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	6 (2009–2024)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Jan 2024 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jan 2024 · 3 claims Severe Storm And Flooding, Oct 2017 · 2 claims

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	BELFAST WATER DISTRICT serves 5,698 people · EPA ID ME0090140
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	3 ppb (2021–2023) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 269 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Tidewater O.P.E.N., UniTel.

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