125 Abner Point Rd, Bailey Island, ME 04003 Property Records

Cumberland County and Harpswell Town property record for 125 Abner Point Rd, Bailey Island, ME 04003

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,198 sqft · built 2018
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on File
Last Sale	$2,600,000 (Apr 2025)
Tax Bill	$11,957 (2025)
Deeds & Mortgages	Feb 2023 Sale Jul 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HARP M:021 L:011`

Property Details

APN / Parcel Number

Primary APN	`HARP M:021 L:011`
Alternative APN	`1722`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,198 sqft Living Area
Gross Area	5,576 sqft
1st Floor Area	1,274 sqft
Basement Area	449 sqft
Unfinished Basement	421 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	44,867 sqft (1.03 acres)
Garage Type	Basement
Boat Access	Boat Access

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	1722
Street Address	125 ABNER POINT RD
City	BAILEY ISLAND
State	ME
Zip	04003-2540
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CF
Legal Lot Number	11
Jurisdiction	HARPSWELL ME
Township / Civil Division	HARPSWELL
Census Block Group	1
Census Block	1005
Census Tract	17102

Owner

125 Abner Point Rd is owned by an individual who bought it in April 2025.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	14 MAINE ST, 112, BRUNSWICK, ME 04011-2095
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2023	Warranty Deed, Transfer
Jul 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Feb 14, 2020	Deed of Trust, Transfer GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 2025 · Amount on File
Deed Sale	Apr 2, 2025 · Amount on File
Prior Sale	Aug 16, 2024 · Amount on File
Deed Document Number	202511280
Deed Book / Page	41364 / 207
Prior Transfer Date	Feb 15, 2023
Prior Transfer Doc	0399980205
Record Updated	Sep 20, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARPSWELL ME
Recording Date	Feb 24, 2023
Property Address	125 ABNER POINT RD, BAILEY ISLAND, ME 04003-2540
Document Number	0399980205
Book / Page	39998 / 205
Instrument Date	Feb 15, 2023
Instrument	5576
Transaction Type	Transfer
Record Updated	Mar 14, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	40 PLEASANT ST # 3, 3, CHARLESTOWN, MA 02129-3344

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	125 ABNER POINT RD, BAILEY ISLAND, ME 04003-2540
Transaction Type	Mortgage
Record Updated	Feb 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0383800174
Date	Jul 1, 2021
Book Page	38380/174
Instrument	47071

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

February 2020: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	HARPSWELL ME
Property Address	125 ABNER POINT RD, BAILEY ISLAND, ME 04003-2540
Document Number	0364300265
Instrument Date	Feb 14, 2020
Transaction Type	Transfer
Record Updated	Mar 3, 2020
Title Company	OTHER

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	125 ABNER POINT RD BAILEY ISLAND ME 04003, BAILEY ISLAND, ME 04003

Mortgage

Document Number	0364300265
Date	Feb 14, 2020
Book Page	036430/000265
Instrument	8631

Lender

Name	GUARANTEED RATE
Address	3940 N RAVENSWOOD AVE, CHICAGO, IL 60613-2420

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 13, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 125 Abner Point Rd was $11,957, up 16.5% from the year before.

Source: Cumberland County and Harpswell Town assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Maine
County	Cumberland County
County Subdivision	Harpswell Town
Unified School District	School Administrative District 75 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$11,957.00 (+16.47%)	$1,795,400 (+11.23%) Land $652,800 Building $1,142,600
2024	$10,266.00 (+4.27%)	$1,614,100 (-) Land $652,800 Building $961,300
2023	$9,846.00 (+3.39%)	$1,614,100 (-) Land $652,800 Building $961,300
2022	$9,523.00	$1,614,100 Land $652,800 Building $961,300

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

Flood

FEMA maps place 125 Abner Point Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone VE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 32 individual policies
Nearby Flood Policies	34 units insured incl. 2 condo units
Nearby Flood Claims	11 (1990–2024)
Claims Outside the SFHA	1 of 11
Most Recent Claim	Jan 2024 · Severe Storms And Flooding
Claims by Event	Severe Storms And Inland And Coastal Flooding, Apr 2007 · 5 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 125 Abner Point Rd is low, with less than 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 98% of the US · lower than 99% of Maine
Wildfire Likelihood	Under 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 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250

Cell Coverage

4G LTE (outdoors only), no 5G reported

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