109 W Gray Rd, Gray, ME 04039 Property Records

Cumberland County and Gray Town property record for 109 W Gray Rd, Gray, ME 04039

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,868 sqft · built 2018
Lot Size	2.3 acres (100,188 sqft)
Owner	Individual Name on Record
Last Sale	$162,500 (Jun 2026)
Tax Bill	$4,924 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jul 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GRAY M:023 B:002 L:031-000`

Property Details

APN / Parcel Number

Primary APN	`GRAY M:023 B:002 L:031-000`
Alternative APNs	`GRAY M:23 B:2 L:31-000` `002031000000` `39`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,868 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Material	Asphalt
Lot Area	100,188 sqft (2.3 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	39
Old Parcel Number	GRAY M:023 B:002 L:031-000
Street Address	109 W GRAY RD
City	GRAY
State	ME
Zip	04039
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BR
Legal Block	2
Legal Lot Number	31-0
Jurisdiction	GRAY ME
Township / Civil Division	GRAY
Census Block Group	3
Census Block	3018
Census Tract	4701

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	109 W GRAY RD, GRAY, ME 04039
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CUMBERLAND COUNTY FEDERAL CREDIT UNION
Jul 26, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Sep 9, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance MECHANICS SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2026 · Amount on Record
Deed Sale	Jun 30, 2026 · Amount on Record
Deed Book / Page	42365 / 214
Prior Transfer Date	Jun 23, 2026
Prior Transfer Doc	0000000905
Record Updated	Sep 20, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GRAY ME
Recording Date	Jun 30, 2026
Property Address	109 W GRAY RD, GRAY, ME 04039
Document Number	0000026905
Book / Page	42365 / 214
Instrument Date	Jun 23, 2026
Instrument	202626905
Transaction Type	Transfer
Record Updated	Jul 30, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 W GRAY RD, GRAY, ME 04039

Mortgage

Date	Jun 30, 2026

Lender

Name	CUMBERLAND COUNTY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAYMOND ME
Property Address	109 GORE RD, RAYMOND, ME 04071
Transaction Type	Mortgage
Record Updated	Jan 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0395990068
Date	Jul 26, 2022
Book Page	39599/68
Instrument	37965

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAY ME
Property Address	109 GORE RD, RAYMOND, ME 04071
Transaction Type	Mortgage
Record Updated	Jan 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0397020257
Date	Sep 9, 2022
Book Page	39702/257
Instrument	46117

Lender

Name	MECHANICS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

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	$4,924.00 (+1.34%)	$508,700 (+58.92%) Land $127,800 Building $380,900
2023	$4,859.00 (+8.82%)	$320,100 (-) Land $71,400 Building $248,700
2022	$4,465.00	$320,100 Land $71,400 Building $248,700

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

Flood

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
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

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	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 30 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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