109 Cedar St, Belfast, ME 04915 Property Records

Waldo County and Belfast City property record for 109 Cedar St, Belfast, ME 04915

Property Summary

Property Type	Duplex
Details	5 bd · 2.5 ba · 1,135 sqft · built 1900
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$409,000 (Dec 2019)
Tax Bill	$8,255 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`BELF M:035 L:033`

Property Details

APN / Parcel Number

Primary APN	`BELF M:035 L:033`
Alternative APN	`2807`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,135 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	2807
Street Address	109 CEDAR ST
City	BELFAST
State	ME
Zip	04915-6124
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Lot Number	33
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	107 CEDAR ST, BELFAST, ME 04915-6124
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2025	Deed of Trust, Mortgage · Conventional Mortgage 1ST NATIONAL BANK
Dec 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage 1ST NATIONAL BANK
Dec 4, 2019	Warranty Deed, Transfer · Line of Credit FIRST NAT'L BK
Dec 2, 2019	Deed of Trust, Mortgage · Line of Credit FIRST NAT'L BK
Jan 25, 2019	Deed of Trust, Mortgage CAMDEN NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2019 · Amount on Record
Deed Sale	Dec 4, 2019 · Amount on Record
Deed Document Number	201911761
Deed Book / Page	4445 / 311
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELFAST ME
Property Address	109 CEDAR ST, BELFAST, ME 04915-6124
Transaction Type	Mortgage
Record Updated	Dec 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005180/125
Date	Dec 15, 2025
Book Page	5180/125
Instrument	2025-10834

Lender

Name	1ST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELFAST ME
Property Address	109 CEDAR ST, BELFAST, ME 04915-6124
Transaction Type	Mortgage
Record Updated	Dec 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00005179/1
Date	Dec 10, 2025
Book Page	5179/1
Instrument	2025-10694

Lender

Name	1ST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BELFAST ME
Recording Date	Dec 4, 2019
Property Address	109 CEDAR ST, BELFAST, ME 04915-6124
Document Number	0044450311
Book / Page	004445 / 000311
Instrument Date	Dec 2, 2019
Instrument	11761
Transaction Type	Transfer
Record Updated	Dec 19, 2019
Title Company	NOT AVAILABLE

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	299 HIGH ST BELFAST ME 049156605, BELFAST, ME 04915-6605

Mortgage

Document Number	44450313
Date	Dec 4, 2019
Book Page	004445/000313
Instrument	11762

Lender

Name	FIRST NAT'L BK
Type	Bank
Address	BANGOR, ME 04401

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELFAST ME
Property Address	109 CEDAR ST, BELFAST, ME 04915-6124
Document Number	0044450313
Instrument Date	Dec 2, 2019
Transaction Type	Mortgage
Record Updated	Dec 16, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	299 HIGH ST BELFAST ME 049156605, BELFAST, ME 04915-6605

Mortgage

Document Number	0044450313
Date	Dec 4, 2019
Book Page	004445/000313
Instrument	11762

Lender

Name	FIRST NAT'L BK
Type	Bank
Address	BANGOR, ME 04401

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELFAST ME
Property Address	109 CEDAR ST, BELFAST, ME 04915-6124
Document Number	0043440016
Instrument Date	Jan 25, 2019
Transaction Type	Mortgage
Record Updated	Feb 13, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	109 CEDAR ST BELFAST ME 049156124, BELFAST, ME 04915-6124

Mortgage

Document Number	0043440016
Date	Jan 28, 2019
Book Page	004344/000016
Instrument	745

Lender

Name	CAMDEN NAT'L BK
Type	Bank
Address	ROCKPORT, ME 04856

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 27, 2049

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	$8,255.00 (+6.26%)	$505,200 (+0.14%) Land $176,900 Building $328,300
2024	$7,769.00 (+24.88%)	$504,500 (+63%) Land $176,900 Building $327,600
2023	$6,221.00 (-3.24%)	$309,500 (+3.03%) Land $90,400 Building $219,100
2022	$6,429.00	$300,400 Land $90,400 Building $210,000

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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