13 Spruce Ledge Rd, Bailey Island, ME 04003 Property Records

Cumberland County and Harpswell Town property record for 13 Spruce Ledge Rd, Bailey Island, ME 04003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,492 sqft · built 2020
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,100 (2025)
Deeds & Mortgages	Jul 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`HARP M:020 L:086 S:001`

Property Details

APN / Parcel Number

Primary APN	`HARP M:020 L:086 S:001`
Alternative APN	`1709`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,492 sqft Living Area
Gross Area	3,796 sqft
1st Floor Area	1,492 sqft
Basement Area	1,492 sqft
Unfinished Basement	1,492 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,909 sqft (0.48 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	1709
Street Address	13 SPRUCE LEDGE RD
City	BAILEY ISLAND
State	ME
Zip	04003-2638
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IN
Legal Lot Number	86
Jurisdiction	HARPSWELL ME
Township / Civil Division	HARPSWELL
Census Block Group	1
Census Block	1022
Census Tract	17102

Owner

13 Spruce Ledge Rd is owned and occupied by two individuals who acquired it in July 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	13 SPRUCE LEDGE RD, BAILEY ISLAND, ME 04003-2638
Occupancy	Owner Occupied
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2020
Deed Sale	Jul 13, 2020
Deed Book / Page	36915 / 77
Record Updated	Sep 20, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARPSWELL ME
Recording Date	Jul 13, 2020
Property Address	13 SPRUCE COVE RD, HARPSWELL, ME 04079
Document Number	0369150077
Book / Page	036915 / 000077
Instrument Date	Jul 10, 2020
Instrument	38687
Transaction Type	Transfer
Record Updated	Aug 4, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	23 SPRUCE LEDGE RD BAILEY ISLAND ME 040032638, BAILEY ISLAND, ME 04003-2638

Tax Assessment & Valuation

The 2025 property tax bill for 13 Spruce Ledge Rd was $3,100, up 4.7% 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	$3,100.00 (+4.69%)	$465,500 (-) Land $194,800 Building $270,700
2024	$2,961.00 (+4.26%)	$465,500 (-) Land $194,800 Building $270,700
2023	$2,840.00 (+3.42%)	$465,500 (-) Land $194,800 Building $270,700
2022	$2,746.00	$465,500 Land $194,800 Building $270,700

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

Flood

FEMA maps place 13 Spruce Ledge Rd 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 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 AO, within 500 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 13 Spruce Ledge 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 97% of the US · lower than 98.5% of Maine
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 45 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
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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