Cumberland County and Harpswell Town property record for 109 Abner Point Rd, Bailey Island, ME 04003
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,278 sqft · built 1998 |
| Lot Size | 1.41 acres (61,420 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $9,946 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | HARP M:021 L:017 |
| Primary APN | HARP M:021 L:017 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,278 sqft Living Area |
| Gross Area | 3,915 sqft |
| 1st Floor Area | 995 sqft |
| Basement Area | 491 sqft |
| Unfinished Basement | 491 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Contemporary |
| Exterior Material | Wood Siding |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 61,420 sqft (1.41 acres) |
| Garage Type | Basement |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1725 |
|---|---|
| Street Address | 109 ABNER POINT RD |
| City | BAILEY ISLAND |
| State | ME |
| Zip | 04003-2540 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CF |
| Legal Lot Number | 17 |
| Jurisdiction | HARPSWELL ME |
| Township / Civil Division | HARPSWELL |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 17102 |
109 Abner Point Rd, a single family home, is held in a trust.
Source: Cumberland County and Harpswell Town records, as of July 30, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 9 WATERSIDE LN, WEST NEWBURY, MA 01985-1435 |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 109 Abner Point Rd was $9,946, up 4.7% from the year before.
Source: Cumberland County and Harpswell Town assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Cumberland County |
| County Subdivision | Harpswell Town |
| Unified School District | School Administrative District 75 (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $9,946.00 (+4.72%) | $1,493,400 (-) Land $667,200 Building $826,200 |
| 2024 | $9,498.00 (+4.26%) | $1,493,400 (-) Land $667,200 Building $826,200 |
| 2023 | $9,110.00 (+3.39%) | $1,493,400 (-) Land $667,200 Building $826,200 |
| 2022 | $8,811.00 | $1,493,400 Land $667,200 Building $826,200 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 109 Abner Point Rd 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 VE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 32 individual policies |
| Nearby Flood Policies | 34 units insured incl. 2 condo units |
| Nearby Flood Claims | 11 (1990–2024) |
| Claims Outside the SFHA | 1 of 11 |
| Most Recent Claim | Jan 2024 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 109 Abner Point Rd 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 98% of the US · lower than 99% 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.
Source: FCC Broadband Data Collection, based on 71 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber Fiber | 2,000 / 2,000 |
| Xfinity Cable | 2,000 / 250 |
4G LTE (outdoors only), no 5G reported
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