12 Bay Ledges Rd, Phippsburg, ME 04562 Property Records

Sagadahoc County and Phippsburg Town property record for 12 Bay Ledges Rd, Phippsburg, ME 04562

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 390 sqft · built 1990
Lot Size	3.75 acres (163,350 sqft)
Owner	Individual Name on Record
Last Sale	$126,000 (Dec 2022)
Tax Bill	$3,663 (2025)
Deeds & Mortgages	Dec 2022 Sale Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`PHIP M:017 L:011`

Property Details

APN / Parcel Number

Primary APN	`PHIP M:017 L:011`
Alternative APN	`1144`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	390 sqft Living Area
1st Floor Area	390 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Concrete
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	163,350 sqft (3.75 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	1144
Street Address	12 BAY LEDGES RD
City	PHIPPSBURG
State	ME
Zip	04562-4727
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	11
Jurisdiction	PHIPPSBURG ME
Township / Civil Division	PHIPPSBURG
Census Block Group	2
Census Block	2009
Census Tract	970700

Owner

Source: Sagadahoc County and Phippsburg Town records, as of May 19, 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	12 BAY LEDGES RD, PHIPPSBURG, ME 04562-4727
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2022	Warranty Deed, Transfer
Oct 2, 2020	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Feb 20, 2018	Warranty Deed, Transfer NORWICH COMMERCAL GRP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2022 · Amount on Record
Deed Sale	Dec 15, 2022 · Amount on Record
Prior Sale	Feb 20, 2018 · Amount on Record
Deed Document Number	20228651
Record Updated	Jun 8, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PHIPPSBURG ME
Recording Date	Dec 15, 2022
Property Address	12 BAY LEDGES RD, PHIPPSBURG, ME 04562-4727
Document Number	0000008651
Instrument Date	Dec 15, 2022
Instrument	2022R-08651
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	62 NEQUASSET RD, WOOLWICH, ME 04579-4454
Investor	Possibly a Property Investor

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PHIPPSBURG ME
Property Address	12 BAY LEDGES RD, PHIPPSBURG, ME 04562-4727
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007545
Date	Oct 2, 2020
Instrument	2020R-07545

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PHIPPSBURG ME
Recording Date	Feb 20, 2018
Property Address	12 BAY LEDGES RD, PHIPPSBURG, ME 04562-4727
Document Number	0000001079
Instrument	2018R-01079
Transaction Type	Transfer
Record Updated	Jul 25, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001080
Date	Feb 20, 2018
Instrument	2018R-01080

Lender

Name	NORWICH COMMERCAL GRP

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2048

Tax Assessment & Valuation

Source: Sagadahoc County and Phippsburg Town assessment roll, as of May 19, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Sagadahoc County
County Subdivision	Phippsburg Town
Unified School District	Regional School Unit 01 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$3,663.00 (+4.84%)	$296,600 (-) Land $105,500 Building $191,100
2024	$3,494.00 (+2.98%)	$296,600 (-) Land $105,500 Building $191,100
2023	$3,393.00 (+13.02%)	$296,600 (-) Land $105,500 Building $191,100
2022	$3,002.00	$296,600 Land $105,500 Building $191,100

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 47 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	47 in force
Nearby Flood Claims	13 (1983–2024)
Claims Outside the SFHA	5 of 13
Most Recent Claim	Mar 2024 · river or lake flooding

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

Cell Coverage

4G LTE only, no 5G reported

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