12 Front St, Rumford, ME 04276 Property Records

Oxford County and Rumford Town property record for 12 Front St, Rumford, ME 04276

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,080 sqft · built 1915
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$62,200 (Jun 2015)
Tax Bill	$2,087 (2025)
Deeds & Mortgages	Jun 2026 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`RUMF M:128 L:200`

Property Details

APN / Parcel Number

Primary APN	`RUMF M:128 L:200`
Alternative APN	`1272`

Interior

Full Baths	2 Baths
Building Area	1,080 sqft Living Area

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Conventional
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Carport
Carport	Carport

Location & Zoning

Account Number	1272
Street Address	12 FRONT ST
City	RUMFORD
State	ME
Zip	04276-2308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDE
Legal Subdivision	VIRGINIA SOUTH SEC
Legal Lot Number	200
Jurisdiction	RUMFORD ME
Township / Civil Division	RUMFORD
Census Block Group	3
Census Block	3026
Census Tract	965600

Owner

12 Front St is owned by two individuals who bought it in June 2015.

Source: Oxford County and Rumford Town records, as of July 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	517 KNOX ST, RUMFORD, ME 04276-2111
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2015 · Amount on File
Deed Sale	Jun 9, 2015 · Amount on File
Prior Sale	May 2, 2011 · Amount on File
Deed Document Number	20155567
Deed Book / Page	5225 / 574
Transfer Doc	0000003996
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUMFORD ME
Recording Date	Jun 3, 2026
Property Address	12 FRONT ST, RUMFORD, ME 04276-2308
Document Number	0000266138
Book / Page	5942 / 854
Instrument Date	May 29, 2026
Instrument	20266138
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 FRONT ST, RUMFORD, ME 04276-2308

Mortgage

Document Number	0000006138,
Date	Jun 3, 2026
Book Page	5942/854
Instrument	20266138

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 1, 2046

Interest

Rate	6.3%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 12 Front St was $2,087, up 12.7% from the year before.

Source: Oxford County and Rumford Town assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Oxford County
County Subdivision	Rumford Town
Unified School District	Regional School Unit 10 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$2,087.00 (+12.75%)	$111,400 (-) Land $13,400 Building $98,000
2024	$1,851.00 (+4.81%)	$111,400 (+39.95%) Land $13,400 Building $98,000
2023	$1,766.00	$79,600 (-) Land $9,600 Building $70,000
2022	$1,766.00	$79,600 Land $9,600 Building $70,000

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

Flood

FEMA maps place 12 Front St 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 December 16, 2021 · 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 File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	15 (1986–2023)
Claims Outside the SFHA	4 of 15
Most Recent Claim	Dec 2023 · Severe Storm And Flooding
Claims by Event	Severe Storm And Flooding, Dec 2023 · 8 claims Severe Storms & Flooding, Apr 1987 · 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

Wildfire risk around 12 Front 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 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20