Cumberland County and Harpswell Town property record for 14 Bernier Ln, Harpswell, ME 04079
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 1,960 sqft · built 2005 |
| Lot Size | 2.38 acres (103,673 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,396 (2025) |
| Deeds & Mortgages | Jun 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | HARP M:046 L:052 S:001 |
| Primary APN | HARP M:046 L:052 S:001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,960 sqft Living Area |
| Gross Area | 4,080 sqft |
| 1st Floor Area | 1,120 sqft |
| Basement Area | 1,120 sqft |
| Unfinished Basement | 1,120 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 103,673 sqft (2.38 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 3347 |
|---|---|
| Street Address | 14 BERNIER LN |
| City | HARPSWELL |
| State | ME |
| Zip | 04079-3815 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IN |
| Legal Subdivision | CHARLES L PEROW JR |
| Legal Lot Number | 52 |
| Jurisdiction | HARPSWELL ME |
| Township / Civil Division | HARPSWELL |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 17102 |
Source: Cumberland County and Harpswell Town records, as of July 30, 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 | 14 BERNIER LN, HARPSWELL, ME 04079-3815 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARPSWELL ME |
| Property Address | 14 BERNIER LN, HARPSWELL, ME 04079-3815 |
| Document Number | 0368230094 |
| Instrument Date | Jun 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 14 BERNIER LN HARPSWELL ME 040793815, HARPSWELL, ME 04079-3815 |
| Document Number | 0368230094 |
|---|---|
| Date | Jun 18, 2020 |
| Book Page | 036823/000094 |
| Instrument | 32838 |
| Name | BATH SVGS INSTITUTION |
|---|---|
| Address | BRUNSWICK, ME 04011 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jun 17, 2045 |
| Rate Type | Adjustable Rate |
|---|
Source: Cumberland County and Harpswell Town assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Maine |
| County | Cumberland County |
| County Subdivision | Harpswell Town |
| Unified School District | School Administrative District 75 (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $2,396.00 (+4.72%) | $359,700 (-) Land $69,700 Building $290,000 |
| 2024 | $2,288.00 (+4.28%) | $359,700 (-) Land $69,700 Building $290,000 |
| 2023 | $2,194.00 (+3.39%) | $359,700 (-) Land $69,700 Building $290,000 |
| 2022 | $2,122.00 | $359,700 Land $69,700 Building $290,000 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 14 policies |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 2 (2007) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Apr 2007 · Severe Storms And Inland And Coastal Flooding |
| Claims by Event |
|
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.
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.
Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Fidium Fiber Fiber | 2,000 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures