1097 Main St, Mount Desert, ME 04660 Property Records

Hancock County and Mount Desert Town property record for 1097 Main St, Mount Desert, ME 04660

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,384 sqft · built 1962
Lot Size	0.81 acres (35,265 sqft)
Owner	Individual Name on File
Last Sale	$468,000 (Feb 2021)
Tax Bill	$4,287 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Dec 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:021 L:041=001`

Property Details

APN / Parcel Number

Primary APN	`M:021 L:041=001`
Alternative APNs	`MTDS M:021 L:041-001` `1632`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,384 sqft Living Area
Gross Area	4,071 sqft
1st Floor Area	1,384 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	35,265 sqft (0.81 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1632
Street Address	1097 MAIN ST
City	MOUNT DESERT
State	ME
Zip	04660
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR1
Legal Subdivision	ALFRED S & E B HASTINGS PROPER
Legal Lot Number	41-1
Jurisdiction	MOUNT DESERT ME
Township / Civil Division	MOUNT DESERT
Census Block Group	1
Census Block	1000
Census Tract	966000

Historic Designation

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

Historic District	Within the Somesville Historic District listed 1975 · 34 contributing resources · NRIS 75000092

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

Owner

1097 Main St is owned by an individual who bought it in February 2021.

Source: Hancock County and Mount Desert Town records, as of July 30, 2026

Owner of Record	Individual Name on File
Mailing Address	295 NORTH ST, MEDFIELD, MA 02052-1211
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 19, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FIRSTRUST BANK
Dec 15, 2020	Deed of Trust, Mortgage · Line of Credit BAR HARBOR BANK & TRUST CO
Jan 25, 2019	Deed of Trust, Mortgage BAR HARBOR BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 19, 2021 · Amount on File
Deed Sale	Feb 19, 2021 · Amount on File
Deed Document Number	20212486
Deed Book / Page	7098 / 263
Prior Transfer Date	Feb 18, 2021
Prior Transfer Doc	0070980263
Record Updated	Oct 29, 2026

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MOUNT DESERT ME
Recording Date	Feb 19, 2021
Property Address	1097 MAIN ST, MOUNT DESERT, ME 04660
Document Number	0070980263
Book / Page	7098 / 263
Instrument Date	Feb 18, 2021
Instrument	2021002486
Transaction Type	Transfer
Record Updated	May 27, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Venture
Address	295 NORTH ST, MEDFIELD, MA 02052-1211

Mortgage

Document Number	2021002487
Date	Feb 19, 2021
Instrument	2021002487

Lender

Name	FIRSTRUST BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOUNT DESERT ME
Property Address	1097 MAIN ST, MOUNT DESERT, ME 04660
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070820408
Date	Dec 15, 2020
Book Page	7082/408
Instrument	2020040164

Lender

Name	BAR HARBOR BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Interest

Rate Type	Adjustable Rate

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOUNT DESERT ME
Property Address	1097 MAIN ST, MOUNT DESERT, ME 04660
Document Number	0069340686
Instrument Date	Jan 25, 2019
Transaction Type	Mortgage
Record Updated	Jun 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1097 MAIN ST MOUNT DESERT ME 04660, MOUNT DESERT, ME 04660

Mortgage

Document Number	0069340686
Date	Jan 28, 2019
Book Page	006934/000686
Instrument	1128

Lender

Name	BAR HARBOR BK&TR
Type	Bank
Address	BAR HARBOR, ME 04609

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 27, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 1097 Main St was $4,287, up 2.1% from the year before.

Source: Hancock County and Mount Desert Town assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Hancock County
County Subdivision	Mount Desert Town
Elementary School District	Mount Desert (KG - 08)
Secondary School District	Mount Desert Community School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,287.00 (+2.07%)	$542,000 (+20.02%) Land $190,900 Building $351,100
2024	$4,200.00 (+6.65%)	$451,600 (-) Land $159,100 Building $292,500
2023	$3,938.00 (+8.45%)	$451,600 (-) Land $159,100 Building $292,500
2022	$3,631.00	$451,600 Land $159,100 Building $292,500

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

Flood

FEMA maps place 1097 Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 1, 2026 · 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	7 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 1097 Main St is low, with 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 80% of the US · above 53% of Maine
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 59 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: T-Mobile.

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