131 River Rd, Topsham, ME 04086 Property Records

Sagadahoc County and Topsham Town property record for 131 River Rd, Topsham, ME 04086

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 994 sqft · built 1972
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (May 2022)
Tax Bill	$3,955 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Nov 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`TOPM M:R01 L:014-G`

Property Details

APN / Parcel Number

Primary APN	`TOPM M:R01 L:014-G`
Alternative APNs	`M:R01 L:014=G` `2246`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	994 sqft Living Area
Gross Area	2,024 sqft
1st Floor Area	994 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,810 sqft (0.34 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2246
Street Address	131 RIVER RD
City	TOPSHAM
State	ME
Zip	04086-6149
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NO
Legal Lot Number	14-G
Jurisdiction	TOPSHAM ME
Township / Civil Division	TOPSHAM
Census Block Group	1
Census Block	1010
Census Tract	970301

Owner

131 River Rd is owned and occupied by two individuals who bought it in May 2022.

Source: Sagadahoc County and Topsham Town records, as of July 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	131 RIVER RD, TOPSHAM, ME 04086-6149
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

Date	Document
Sep 2, 2025	Deed of Trust, Mortgage UNITED WHOLESALE MORTGAGE
Nov 14, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) KENNEBEC SAVINGS BANK
May 12, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage KENNEBEC SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2022 · Amount on File
Deed Sale	May 12, 2022 · Amount on File
Prior Sale	Dec 30, 2015 · Amount on File
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSHAM ME
Property Address	131 RIVER RD, TOPSHAM, ME 04086-6149
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004660
Date	Sep 2, 2025
Instrument	2025R-04660

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOPSHAM ME
Property Address	131 RIVER RD, TOPSHAM, ME 04086-6149
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007974
Date	Nov 14, 2022
Instrument	2022R-07974

Lender

Name	KENNEBEC SAVINGS BANK

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	121 Months
Due	Dec 1, 2032

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TOPSHAM ME
Recording Date	May 12, 2022
Property Address	131 RIVER RD, TOPSHAM, ME 04086-6149
Document Number	0000003332
Instrument Date	May 11, 2022
Instrument	2022R-03332
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	Joint Tenants

Mortgage

Document Number	0000003333
Date	May 12, 2022
Instrument	2022R-03333

Lender

Name	KENNEBEC SAVINGS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 131 River Rd was $3,955.

Source: Sagadahoc County and Topsham Town assessment roll, as of July 30, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$3,955.00	$309,000 Land $59,300 Building $249,700
2023	$3,614.00 (+5.83%)	$266,100 (+12.37%) Land $52,300 Building $213,800
2022	$3,415.00	$236,800 Land $50,600 Building $186,200

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

Flood

FEMA maps place 131 River 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 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
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1987)
Most Recent Claim	Apr 1987 · Severe Storms & 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

Wildfire risk around 131 River Rd 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 52 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

5G and 4G LTE (outdoors only)

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